Exaloan

Exaloan One global B2B marketplace connecting institutional investors with the digital lending universe.

๐—ง๐—ต๐—ฒ ๐—”๐—น๐˜๐—ฒ๐—ฟ๐—ป๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ ๐—Ÿ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐˜€ ๐—ฎ ๐—ฅ๐—ฎ๐—ฝ๐—ถ๐—ฑ๐—น๐˜† ๐—š๐—ฟ๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐—ข๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐˜† The Alternative Lending Market is on a fast-paced growth...
19/03/2024

๐—ง๐—ต๐—ฒ ๐—”๐—น๐˜๐—ฒ๐—ฟ๐—ป๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ ๐—Ÿ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด ๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐˜€ ๐—ฎ ๐—ฅ๐—ฎ๐—ฝ๐—ถ๐—ฑ๐—น๐˜† ๐—š๐—ฟ๐—ผ๐˜„๐—ถ๐—ป๐—ด ๐—ข๐—ฝ๐—ฝ๐—ผ๐—ฟ๐˜๐˜‚๐—ป๐—ถ๐˜๐˜†

The Alternative Lending Market is on a fast-paced growth trajectory, attracting the attention of investors and industry leaders worldwide.

Projections indicate that the industry will expand significantly between 2024 and 2031. This growth is fueled by a diverse range of alternative credit financing sources, including peer-to-peer lending, crowdfunding platforms, and cryptocurrency-based systems. The emergence of digital currencies not only transforms lending practices but also creates new funding opportunities on a global scale.

๐—ช๐—ต๐˜† ๐—–๐—ผ๐—ป๐˜€๐—ถ๐—ฑ๐—ฒ๐—ฟ ๐—”๐—น๐˜๐—ฒ๐—ฟ๐—ป๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜?

The growth of alternative credit financing offers a promising future. With traditional borrowing experiencing rising interest rates, many individuals and businesses are turning to alternative credit for more competitive terms. Technological advancements, such as digital tools, AI-driven risk assessments, and blockchain transparency, have enhanced the reliability of these platforms.

A study conducted by Nuveen in 2023 revealed that over 80% of global institutional investors are seeking to expand their yield reach, with nearly half reevaluating their traditional fixed income allocations. Interestingly, alternative credit emerges as the next most popular course of action. Investors are looking to allocate their investments towards private credit, real estate debt, and CLOs, among other forms of alternative credit.

Consider alternative credit as a strategic choice for your investments in the rapidly growing alternative lending market.

๐Ÿš€๐—˜๐˜…๐—ฎ๐—น๐—ผ๐—ฎ๐—ป ๐—ด๐—ผ๐—ฒ๐˜€ ๐—™๐—ถ๐—ป๐˜๐—ฒ๐—ฐ๐—ต๐—ช๐—ผ๐—ฟ๐—น๐—ฑ๐Ÿฎ๐Ÿฐ!The BANKINGCLUB has curated once again a diverse program with interesting speakers for Fint...
05/03/2024

๐Ÿš€๐—˜๐˜…๐—ฎ๐—น๐—ผ๐—ฎ๐—ป ๐—ด๐—ผ๐—ฒ๐˜€ ๐—™๐—ถ๐—ป๐˜๐—ฒ๐—ฐ๐—ต๐—ช๐—ผ๐—ฟ๐—น๐—ฑ๐Ÿฎ๐Ÿฐ!

The BANKINGCLUB has curated once again a diverse program with interesting speakers for FintechWorld 2024. Our CEO, Luca Andre Frignani is looking forward to connecting with you on ๐— ๐—ฎ๐—ฟ๐—ฐ๐—ต ๐Ÿญ๐Ÿฏ๐˜๐—ต and ๐Ÿญ๐Ÿฐ๐˜๐—ต at the ๐— ๐—ผ๐˜๐—ผ๐—ฟ๐˜„๐—ฒ๐—ฟ๐—ธ ๐—•๐—ฒ๐—ฟ๐—น๐—ถ๐—ป.

Join us for insightful discussions, networking opportunities, and a glimpse into the latest innovations in the Finance industry.

Learn more about the event: https://www.bankingclub.de/events/fintechworld24/

๐„๐ฑ๐š๐ฅ๐จ๐š๐ง ๐…๐ž๐š๐ญ๐ฎ๐ซ๐ž๐ ๐ข๐ง ๐…๐ซ๐š๐ง๐ค๐Ÿ๐ฎ๐ซ๐ญ๐ž๐ซ ๐€๐ฅ๐ฅ๐ ๐ž๐ฆ๐ž๐ข๐ง๐ž ๐Œ๐ž๐ญ๐ซ๐จ๐ฉ๐จ๐ฅ  We are delighted to share that Exaloan has been featured in the lat...
20/02/2024

๐„๐ฑ๐š๐ฅ๐จ๐š๐ง ๐…๐ž๐š๐ญ๐ฎ๐ซ๐ž๐ ๐ข๐ง ๐…๐ซ๐š๐ง๐ค๐Ÿ๐ฎ๐ซ๐ญ๐ž๐ซ ๐€๐ฅ๐ฅ๐ ๐ž๐ฆ๐ž๐ข๐ง๐ž ๐Œ๐ž๐ญ๐ซ๐จ๐ฉ๐จ๐ฅ

We are delighted to share that Exaloan has been featured in the latest edition of Frankfurter Allgemeine Metropol. In this feature, we offer a sneak peek into what Exaloan can do for you. Whether youโ€™re an investor seeking growth opportunities or a loan originator navigating the financial landscape, we invite you to connect with us and explore exciting collaboration prospects.

๐Ÿ”—You can access the F.A.Z full current edition here: https://www.faz-metropol.de/
๐ŸŒ Learn more about Exaloan: https://www.exaloan.com/

The 5th edition of Frankfurt Digital Finance  was undoubtedly a success, providing an invaluable platform for networking...
13/02/2024

The 5th edition of Frankfurt Digital Finance was undoubtedly a success, providing an invaluable platform for networking with a diverse array of experts, entrepreneurs, and leaders in the finance industry. Our sincere congratulations to the organizers for orchestrating such a great event.

We appreciate the opportunity to connect and engage with professionals who share our passion for advancements in the finance sector. Letโ€™s continue to build on the insights gained and foster meaningful connections. ๐Ÿค

๐—›๐—ผ๐˜„ ๐—ฎ๐—ฟ๐—ฒ ๐—•๐—ฎ๐—ป๐—ธ๐˜€ ๐—”๐—ฑ๐—ฎ๐—ฝ๐˜๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—ถ๐—ป ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฐ? The landscape of traditional banking has shifted since the 2008 global...
06/02/2024

๐—›๐—ผ๐˜„ ๐—ฎ๐—ฟ๐—ฒ ๐—•๐—ฎ๐—ป๐—ธ๐˜€ ๐—”๐—ฑ๐—ฎ๐—ฝ๐˜๐—ถ๐—ป๐—ด ๐˜๐—ผ ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—ถ๐—ป ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฐ?

The landscape of traditional banking has shifted since the 2008 global financial crisis. Pre-crisis, banks were dominant in asset-based markets, controlling origination, structuring, and distribution of asset-backed securities. However, now they navigate a collaborative era with private credit lenders.


๐—•๐—ฎ๐—ป๐—ธ๐˜€ ๐—–๐—ผ๐—น๐—น๐—ฎ๐—ฏ๐—ผ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜„๐—ถ๐˜๐—ต ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—Ÿ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€
The traditional banking model faced challenges, prompting a strategic pivot towards collaboration with private credit lenders. There is a win-win situation with this collaboration: banks bring longstanding customer relationships, while private credit funds offer dedicated pools of capital.

๐—ฆ๐—ผ๐—น๐˜‚๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐˜๐—ผ ๐—–๐—ฎ๐—ฝ๐—ถ๐˜๐—ฎ๐—น ๐—–๐—ผ๐—ป๐˜€๐˜๐—ฟ๐—ฎ๐—ถ๐—ป๐˜๐˜€
Post-2008, banks facing capital constraints found solutions in the $1.6 trillion private credit industry. This industry has become an ally for traditional banks looking to expand their lending capacity. This alliance not only tackles capital limits but also fosters innovation. Major banks like Citigroup, JPMorgan Chase, Deutsche Bank and others have embraced private credit through partnerships or establishing their funds.

๐—ง๐—ต๐—ฒ ๐—ฅ๐—ถ๐˜€๐—ฒ ๐—ผ๐—ณ ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜
In just over a decade, private credit has progressed from a niche asset class to an important component of diversified investment portfolios. During this year, its significance is expected to grow even further. The hesitancy of banks to extend lending has widened the opportunity set for investors, positioning private credit as a key player in addressing the evolving financial landscape.

We express our sincere condolences for the early passing of Professor Philipp Sandner, who was going to be a speaker at ...
24/01/2024

We express our sincere condolences for the early passing of Professor Philipp Sandner, who was going to be a speaker at this year's event, and we honor his contributions in the field of digital finance.

FRANKFURT DIGITAL FINANCE 2024 - a major annual event in European digital finance - is happening soon. You can expect to meet all the key players on the field at the conference. Of course, our team members, Luca Andre Frignani, Romy Ritter, and Frank Schnieder, are all set to meet you there!

Beyond discussions, we're eager to connect with FinTechs experts from across Europe's premier hubs, creating direct links between them and potential clients and investors.

Will you join us? Save the date:

๐Ÿ—“ ๐ƒ๐š๐ญ๐ž: February 7-8, 2024
๐Ÿ“ ๐‹๐จ๐œ๐š๐ญ๐ข๐จ๐ง: Gesellschaftshaus Palmengarten
๐Ÿ”— ๐‘๐ž๐ ๐ข๐ฌ๐ญ๐ž๐ซ ๐ก๐ž๐ซ๐ž: https://frankfurt-digital-finance.de/book-now.html

๐—ช๐—ต๐—ฎ๐˜ ๐˜„๐—ถ๐—น๐—น ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป ๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฐ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐—ป ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฐ? Looking back at 2023, private credit displayed resilience in the ...
09/01/2024

๐—ช๐—ต๐—ฎ๐˜ ๐˜„๐—ถ๐—น๐—น ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป ๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฐ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—บ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜ ๐—ถ๐—ป ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฐ?

Looking back at 2023, private credit displayed resilience in the face of a challenging financial environment, and it is expected to exceed $2 trillion in AUM by 2025. This upward trajectory is further underscored by the increasing involvement of traditional banks in the private credit sector, demonstrating its growing importance. Despite a tough M&A market, collaboration among lenders for large financings has strengthened the asset class.

๐—ง๐—ต๐—ฟ๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด ๐—”๐˜€๐˜€๐—ฒ๐˜ ๐—–๐—น๐—ฎ๐˜€๐˜€ ๐——๐˜‚๐—ฟ๐—ถ๐—ป๐—ด ๐—–๐—ต๐—ฎ๐—น๐—น๐—ฒ๐—ป๐—ด๐—ฒ๐˜€

The private equity sector is currently experiencing slower deal volumes, whereas private credit is performing well due to higher risk-return ratios, which can be attributed to a move away from traditional banking activities. However, some experts are concerned about potential overheating in the present high-rate environment, primarily due to the prevalence of floating-rate loans, which could pose challenges for borrowers in the event of a rise in interest rates.

๐—Ÿ๐—ผ๐—ผ๐—ธ๐—ถ๐—ป๐—ด ๐—™๐—ผ๐—ฟ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐˜๐—ผ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฐ

The selective focus of private credit companies on specific credit stories and sectors, such as software, healthcare, and business services, raises concerns about the neglect of industries that are very cyclical or rely heavily on consumers. This dynamic creates opportunities for traditional banks to re-enter less favoured sectors, which differ by the European region.

Furthermore, macroeconomic uncertainties resulting from geopolitical tensions and the impact of AI create a complex landscape. Despite these challenges, lower inflation in Europe and a potential improvement in M&A activities not only boost market confidence but also underline the adaptability and resilience of private credit, maintaining a significant influence on the financial landscape.

๐ŸŽ„โœจ As the year draws to a close, we want to extend heartfelt wishes to our amazing audience, reliable partners, and cher...
25/12/2023

๐ŸŽ„โœจ As the year draws to a close, we want to extend heartfelt wishes to our amazing audience, reliable partners, and cherished clients.

Thank you for being an integral part of our journey in 2023! May this Christmas bring you joy, and as we approach the end of the year, may you reflect on accomplishments, embrace learnings, and look forward to a new chapter filled with hope and opportunities.

From our team to yours, Merry Christmas and a Happy New Year! ๐ŸŒŸ๐ŸŽ

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ผ๐—น๐—ฒ ๐—ผ๐—ณ ๐—ฝ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฐ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—ถ๐—ป ๐—ฆ๐— ๐—˜ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒSMEs are the foundation of many economies worldwide. In Europe, these businesse...
19/12/2023

๐—ง๐—ต๐—ฒ ๐—ฟ๐—ผ๐—น๐—ฒ ๐—ผ๐—ณ ๐—ฝ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐—ฐ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—ถ๐—ป ๐—ฆ๐— ๐—˜ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ
SMEs are the foundation of many economies worldwide. In Europe, these businesses face challenges in accessing traditional bank loans, with a significant number reporting difficulties in securing financing for their growth. In response, private credit funds have emerged as an essential alternative financing channel for SMEs and have gained increasing importance for European investors.

๐™Š๐™ซ๐™š๐™ง๐™˜๐™ค๐™ข๐™ž๐™ฃ๐™œ ๐˜พ๐™๐™–๐™ก๐™ก๐™š๐™ฃ๐™œ๐™š๐™จ
SMEs are essential generators of employment, innovation, and economic growth. However, they frequently face challenges, particularly when trying to obtain financing. According to a National Small Business Association study, 73% of SMEs find it difficult to access bank loans. Additionally, 43% identified a lack of available credit as a major obstacle to their business growth. These statistics emphasize the need for alternative or additional financing channels.

๐™‹๐™ง๐™ž๐™ซ๐™–๐™ฉ๐™š ๐˜พ๐™ง๐™š๐™™๐™ž๐™ฉ ๐™–๐™จ ๐™– ๐™Ž๐™ค๐™ก๐™ช๐™ฉ๐™ž๐™ค๐™ฃ
When SMEs seek financing, they must weigh several factors, including the robustness of their balance sheet structure. SMEs often aim to strengthen their equity or quasi-equity, presenting two primary options: incorporating reserves or increasing their capital. However, not all SMEs are willing or capable of diluting their ownership by issuing new shares.

This is where private credit financing emerges as an alternative. Private credit, often known as non-bank lending, is a term used to describe sources of loans and other forms of debt financing provided by non-traditional lenders. The benefit of private credit is that it is non-dilutive. Therefore, SMEs are not required to issue additional shares or give up ownership. Instead, they can borrow funds from alternative lenders without changing the companyโ€™s ownership structure. The borrowed funds can then be used for a range of commercial activities, including growth, working capital, or acquisitions.

In today's ever-changing financial environment, SMEs have a range of financing options to help them secure the capital they need to prosper and contribute to economic growth. Private credit plays a crucial role in this dynamic financial ecosystem, providing SMEs with the resources they require to succeed over the long term.

๐ŸŒฑ ESG - YEAR IN REVIEWIn 2023, several new proposals were drafted while some previous regulations were developed. We are...
14/12/2023

๐ŸŒฑ ESG - YEAR IN REVIEW

In 2023, several new proposals were drafted while some previous regulations were developed. We are pleased to share this ESG Glossary, which contains some key terms that have shaped our journey towards ESG.

We sincerely hope that you find the content enjoyable and informative. Your thoughts and opinions are highly valued, so please feel free to share them with us.

Let's confidently prepare for the future and move towards a more sustainable world in 2024.

We would like to thank ITCS Conference for having us at the IT&Career Summit in Frankfurt 2023. We had a great time inte...
05/12/2023

We would like to thank ITCS Conference for having us at the IT&Career Summit in Frankfurt 2023. We had a great time interacting with a diverse group of professionals and sharing our knowledge about the work we do at Exaloan. It was a wonderful opportunity for us to connect with others in the industry and we are grateful for the experience.

To those who took the time to visit our stand, thank you. Your interest and engagement were the highlight of the event, and we are looking forward to the prospect of future collaborations and professional growth together. Let's stay in touch!

AI week Frankfurt 2023 is just around the corner, and we are excited to announce that Prof. Gregory Wheeler will partici...
12/10/2023

AI week Frankfurt 2023 is just around the corner, and we are excited to announce that Prof. Gregory Wheeler will participate in a panel discussion, taking place on ๐—ข๐—ฐ๐˜๐—ผ๐—ฏ๐—ฒ๐—ฟ ๐Ÿญ๐Ÿต๐˜๐—ต ๐—ณ๐—ฟ๐—ผ๐—บ ๐Ÿญ๐Ÿญ:๐Ÿฏ๐Ÿฌ ๐—ฎ๐—บ ๐˜๐—ผ ๐Ÿญ๐Ÿฎ:๐Ÿฌ๐Ÿฌ ๐—ฝ๐—บ. Greg will be sharing insights on the topic of "Developing Trustworthy AI", part of the "AI in Finance" Workshop.

The event provides a variety of insights, networking opportunities, and knowledge exchange for AI professionals and enthusiasts.

Event Details:

๐Ÿ—“๏ธDate: October 16th-20th

๐Ÿ“Location: SPARK Frankfurt, Neue Junghofstr. 14

Here is more information about the event: https://ai-hub-frankfurt.de/ai-week-frankfurt-2023/

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