Fintex Capital
Fintex Capital is a London-based alternative private credit manager that originates, structures and manages bespoke loan portfolios for institutional investors via four investment strategies spanning UK, European and US markets, distributing exposure through FCA-regulated Eurobond instruments and managed accounts.
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Fintex Capital does
Fintex Capital is a London-headquartered alternative private credit manager founded in 2015 by Robert Stafler and Jérôme Anglade, operating as Fintex Partners Limited (FCA-authorised, registration 925944) and its Luxembourg subsidiary Fintex Capital SA. The firm originates, structures and manages bespoke credit investments for professional and institutional investors by extending loan-on-loan facilities to non-bank lenders and direct loans to UK SMEs and property owners across asset classes including consumer loans, SME lending, motor finance, real estate credit, asset-backed finance, litigation finance and B2B BNPL. Geographic operations span the United Kingdom, Continental Europe (notably Germany via auxmoney, where Fintex has been the only multi-institutional investor since 2016) and the United States (via Upgrade).
The firm runs four named investment vehicles — Fintex Private Debt (flagship UK fund), Fintex Origin (EUR-denominated marketplace loans), Fintex Elevator (USD-denominated US consumer loans via Upgrade) and Fintex Confluence (GBP diversified secured lending) — supplemented by a proprietary technology stack. This includes FiRE (Fintex Reporting Experience), a cloud-based 24/7 investor reporting platform; in-house cohort and vintage risk analytics; and AI-driven automation (custom GPTs and predictive pricing models) for deal processing and reporting. Capital markets-friendly Eurobond instruments (ISIN-listed, settled through Euroclear and Clearstream) translate loan portfolios into structures familiar to institutional buyers.
Fintex generates revenue through management fees and performance fees on discretionary investment funds and segregated managed accounts for family offices, UHNW individuals, banks, asset managers, insurance companies and pension funds, with minimum investment sizes of £10–40 million per borrower. Distribution is sales-led via direct institutional relationships, lending-platform partnerships (OakNorth, auxmoney, ThinCats, Upgrade, Go Car Credit), and UK property direct lending; marketing relies on industry awards (AltFi, MoneyAge, Alternative Credit Investor, Wealth & Finance International) and earned media rather than digital acquisition channels. Cumulative deployment exceeds $400 million across the three operating geographies since 2016.
Fintex Capital firmographics
Firmographics- Name
- Fintex Capital
- Legal name
- Fintex Partners Limited
- Website
- https://fintexcap.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Fintex Capital is a London-based alternative private credit manager that originates, structures and manages bespoke loan portfolios for institutional investors via four investment strategies spanning UK, European and US markets, distributing exposure through FCA-regulated Eurobond instruments and managed accounts.
- Ownership category
- akta.pro rank
Fintex Capital industry classification
Industry- Product category
- Alternative Private Credit Management
- NAICS
- Credit Intermediation and Related Activities (522), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Asset-Backed Securities (6189), Miscellaneous Business Credit Institution (6159), Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141)
- akta.pro primary industry
- Middle-Market Lending (FSANADAI)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Fintex Capital is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Fintex Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Discretionary Investment Fund Management: Fintex manages discretionary investment funds for select family offices and UHNW individuals. Revenue is generated through management fees and performance fees on the funds managed.
- Segregated Managed Accounts: Manages segregated accounts for institutional investors including banks, asset managers, and insurance companies. Provides bespoke investment structuring with institutional-grade risk management.
- Bond Issuance: Issues Euro-denominated bonds linked to discrete loan portfolios. Bonds carry ISIN and settle through Euroclear and Clearstream. Investors purchase bonds as capital markets-friendly instruments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Direct Lending per Borrower |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Fintex Capital product offering
Product offeringCore offering
Fintex Capital is an alternative private credit manager that originates, structures and manages bespoke credit investments for professional and institutional investors. The firm operates four named investment strategies — Fintex Private Debt (UK flagship), Fintex Origin (EUR), Fintex Elevator (USD), and Fintex Confluence (GBP) — and issues Euro-denominated bonds linked to discrete loan portfolios. On the borrowing side, the firm extends tailored senior secured loans, mezzanine finance facilities, and B2B buy-now-pay-later facilities to UK SMEs, specialty finance firms and non-bank lenders, typically at £10–40 million per borrower.
Product overview
Fintex Capital is an alternative private credit manager offering a portfolio of distinct investment products and strategies. Its core offering is Fintex Private Debt, a flagship UK fund delivering consistent double-digit net returns through diversified secured lending. The firm operates three named investment strategies — Fintex Origin (EUR, European consumer/SME lending via marketplaces), Fintex Elevator (USD, US consumer loans via Upgrade), and Fintex Confluence (GBP, diversified secured UK lending) — each targeting different geographies and asset classes. These are complemented by a suite of supporting products and tools including FiRE 2.0 (a cloud-based investor reporting and portfolio analytics platform), proprietary risk management and loan analytics tools, Euro bond instruments (ISIN-listed, Euroclear/Clearstream-settled), mezzanine finance facilities for lending platforms, B2B BNPL facilities for SMEs, and real estate lending products. The overall architecture functions as a platform-plus-modules model, where the core fund vehicles are enhanced by bespoke technology tools and structured financing products tailored for institutional investors.
Differentiator
Problem solved
Functional benefit
Brands
- Fintex Private Debt: Flagship UK fund designed to deliver consistent, high-quality returns to investors through private debt investments.
- Fintex Origin
- Fintex Elevator
- Fintex Confluence
- FiRE (Fintex Reporting Experience)
Products and services
- Fintex Private Debt Flagship UK private debt fund from Fintex Capital delivering consistent double-digit net returns for institutional investors, family offices, and HNWIs through diversified secured lending across real estate credit, asset-backed finance, and specialty finance.
- Fintex Origin EUR-denominated institutional investment strategy focused on European consumer and SME lending through marketplace platforms, with a 3-year institutional track record and consistent top-2 investor ranking on auxmoney, Germany's leading P2P marketplace.
- Fintex Elevator USD-denominated strategy turning Fintex into one of Europe's first financiers of consumer loans originated by Upgrade, Inc. in the US market.
- Fintex Confluence Diversified secured lending strategy in the UK producing industry-leading returns for institutional partners and family office-backed fund investors, covering real estate credit, asset-backed finance, and complex credit situations.
- UK Real Estate Lending UK property lending strategy providing short-term and medium-term senior secured loans to UK real estate lenders and platforms, secured on quality residential and commercial property assets.
- B2B BNPL Facility Buy Now Pay Later financing facility for SMEs, enabling business customers to offer deferred payment options to their own clients, supporting working capital and cashflow optimisation.
- Mezzanine Finance Facilities Mezzanine debt facilities extended to lending platforms (e.g., ThinCats) and specialty finance businesses, providing flexible junior capital alongside senior debt to support platform growth and SME lending, including the UK Recovery Loan Scheme (RLS).
- Euro Bond Instruments (Alternative Credit Bonds) Capital markets-friendly Euro-denominated bond instruments issued by Fintex and linked to discrete loan portfolios, carrying an ISIN and settled through Euroclear and Clearstream, enabling institutional investors to access alternative credit through familiar capital markets instruments.
Quantifiable outcome
- Over $400 million deployed across UK, Continental Europe, and USA since 2016
- +3 more outcomes
Companies that use Fintex Capital
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Fintex Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
Fintex Capital partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- OakNorthcoreStrategic partnership for specialty finance and private credit transactions in the UK. Operates through two lending channels: structured loan-on-loan facilities for smaller non-bank financial institutions and direct lending for corporate borrowers in real estate credit, asset-backed finance, and cashflow lending. £20 million already deployed together with targets of £10-40 million per borrower.
- Nera Capitalcore£20 million funding line for expansion of litigation financing capacity. Part of Fintex's ongoing UK funding efforts.
- Tony TraharminorStrategic adviser appointment bringing extensive experience including as former CEO of Anglo American. Provides strategic guidance to the firm.
- Go Car CreditcoreLong-term partnership supporting £4 million of monthly originations in motor finance. Fintex provides consistent capital facility for the lender's growth.
- Lucarnaminor£5 million B2B BNPL funding line for luxury interior design company enabling customers to purchase furniture on buy-now-pay-later basis.
- ThinCatscoreMezzanine funding facility enabling £400 million of further funding for COVID-affected SMEs. Expanded to include Recovery Loan Scheme (RLS).
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Fintex Capital competitors and assessment
Company assessmentDirect peers
- Alpha Real Capital: Alpha Real Capital is a UK-focused alternative investment manager specialising in real estate debt and alternative credit for institutional clients. Directly comparable to Fintex's UK real estate lending strategy and secured-lending Confluence strategy.
- Crescent Capital Group: Crescent is an alternative credit investment manager offering direct lending and structured credit funds to institutional investors. Comparable to Fintex on middle-market direct lending, structured credit, and managed-account approach for institutional LPs.
- Pollen Street Capital: Pollen Street is a UK-based specialist alternative asset manager focused on private credit and specialty finance. Closely comparable to Fintex on UK mid-market lending, specialty finance focus, and partnership-driven origination model.
- Pemberton Asset Management: Pemberton is a European private debt manager offering mid-market direct lending and specialty credit strategies to institutional investors. Closely comparable to Fintex on target deal size (mid-market, GBP/EUR focus), customer base (institutional LPs), and product structure (managed funds with bespoke mandates).
- Muzinich & Co: Muzinich is a global alternative credit manager specialising in private debt and structured credit strategies for institutional investors. Directly comparable to Fintex's flagship private debt and bond-linked loan portfolio approach, serving the same institutional LP base.
- Alcentra: Alcentra is a specialist alternative credit manager (BNY Mellon affiliate) focused on senior secured loans, private credit, and structured products for institutional clients. Comparable to Fintex on middle-market lending focus and institutional fund/managed-account structure.
Broad incumbents
- CVC Credit Partners: CVC Credit Partners manages European direct lending, mezzanine, and special situations funds for institutional investors within the CVC platform. Comparable to Fintex on European mid-market direct lending and sub-investment-grade credit focus, though at materially larger scale.
- M&G Credit Income Fund: M&G's Credit Income strategy provides institutional and retail investors exposure to private and alternative credit markets including direct lending and asset-backed finance. Comparable as a broad incumbent in the same institutional private debt category.
- ICG (Intermediate Capital Group): ICG is a large global alternative asset manager with a major private credit franchise spanning direct lending, mezzanine, and special situations. Comparable to Fintex on the institutional private debt and structured credit offering, though operating at materially larger scale as a broad incumbent.
Regional players
- Octopus Investments (Octopus Capital): Octopus Capital manages UK-focused alternative credit and private debt strategies for institutional and advised-retail investors. Comparable to Fintex on UK SME/real estate lending focus and institutional fund structure, with broader product diversification.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Fintex Capital social profiles
Digital presenceFintex Capital compliance and trust
Trust signalCompliance1 record
Fintex Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintex Capital leadership team
Management profileNumber of profiles
Profiles10 records
Fintex Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Fintex Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintex Capital M&A and investment
M&A and investmentM&A
Investments6 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fintex Capital
What does Fintex Capital do?
Fintex Capital is an alternative private credit manager that originates, structures and manages bespoke credit investments for professional and institutional investors. The firm operates four named investment strategies — Fintex Private Debt (UK flagship), Fintex Origin (EUR), Fintex Elevator (USD), and Fintex Confluence (GBP) — and issues Euro-denominated bonds linked to discrete loan portfolios. On the borrowing side, the firm extends tailored senior secured loans, mezzanine finance facilities, and B2B buy-now-pay-later facilities to UK SMEs, specialty finance firms and non-bank lenders, typically at £10–40 million per borrower.
Is Fintex Capital a public or private company?
Fintex Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fintex Capital founded?
Fintex Capital was founded in 2015. It employs 11 to 50 people.
Where is Fintex Capital based?
Fintex Capital is headquartered in London, United Kingdom, in the Europe region.
How does Fintex Capital make money?
Three revenue lines are on record. Discretionary Investment Fund Management is the primary driver. The others are segregated Managed Accounts and bond Issuance.
Who are Fintex Capital's main competitors?
Direct peers on record are Alpha Real Capital, Crescent Capital Group, Pollen Street Capital, Pemberton Asset Management, Muzinich & Co and Alcentra. Broad incumbents are CVC Credit Partners, M&G Credit Income Fund and ICG (Intermediate Capital Group). Octopus Investments (Octopus Capital) is listed as a regional player.
Does Fintex Capital have an API?
No public API is recorded for Fintex Capital.
What industry is Fintex Capital in?
Fintex Capital's product category is Alternative Private Credit Management. Its primary akta.pro industry code is FSANADAI, Middle-Market Lending, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 522 and its SIC code is 6189.