Tag

specialty finance

3 insights

Bullet-chart cover comparing operated collection to a traditional desk: operated recovers about 50% against a 20 to 30% traditional benchmark, at 60 to 80% lower cost per dollar recovered, roughly 2 to 4 times the recovery.

The Collections Desk That Scaled With the Book Was the Wrong One

Two lenders, one book size, two collections cost structures. Why a manual desk scales with headcount while an operated cadence holds cost flat as the book grows.
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Bar comparison showing a cured alternative-lending position recovering 100 cents on the dollar versus 30 to 60 cents once it settles after default.

Your Worst Recoveries Are a Scheduling Problem, Not a Credit Problem

Alternative lenders lose 15 to 20% of recoverable AR to inconsistent follow-up, not bad credit. Why recovery is a timing problem, and how CXO closes the gap.
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Horizontal bar chart comparing time to funding by lender type, showing MCA same-day funding against bank and SBA timelines of weeks to months

Off-the-Shelf Underwriting Was Built for W-2 Borrowers. You Don't Lend to Them.

Off-the-shelf underwriting was built for W-2 borrowers, not the cash-flow businesses alternative lenders fund. Here is where it leaks deals and how to fix it.
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