Providing Capital and Access to Securitization Markets
Artificial Intelligence Powered by Human Experience™
Meet Expanding Capital Requirements Now and In the Future
We Specialize in Revolutionizing Debt Capital Pathways to Capital Markets
Strategic Portfolio Solutions
- Payoff or reduce existing debt with our non-recourse capital.
- Create capacity with periodic portfolio transactions.
- Create liquidity for a divesture or other capital needs.
- Supplement your current ABL (Asset Backed Loan) facility with flexible capital.
Forward Flow Strategies
- Fund all, or part, of new originations under your legacy underwriting with the same dealers.
- Utilize the advanced Agora model to expand your dealer network and increase market penetration.
- Continue to manage your valuable dealership relationships.
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Leverage Agora’s Expertise and Combine Strategic Portfolio Solutions with Forward Flow Strategies
Financial Institutions Group Highlights
Structured Finance Transactions
Competitive Advance Rates
Asset Pooled Securitizations
Agora provides a platform for securitizing receivables from multiple finance companies. Grow, manage risk more efficiently, and improve your overall financial health.
No Financial Covenants
Financial covenants are non-existent in our structured facilities.
Limited Loan Level Concentrations
Limited Fees
No ongoing commitment fees and no financial audit fees. Keep more of your revenue.
We're Not Your Traditional Lender
Agora serves as a true asset manager, offering a uniquely flexible platform tailored to the needs of finance companies. Our comprehensive suite of services help finance companies optimize their operations, enhance asset performance, and navigate complex financial landscapes with confidence and precision.
Put Our Technology to Work
Agora provides finance companies with access to our proprietary automated software, powered by advanced Artificial Intelligence and Machine Learning algorithms designed specifically for pricing and predicting loan performance.
Trained on a robust dataset of over $350 billion in subprime auto loans, our patent-pending models offer precise, data-driven predictions of future loan performance, delivering exceptional accuracy and insights.
Put Our Innovative Strategies to Work
Agora made history in 2020 by closing the first-ever asset pooled auto securitization and continues to bring groundbreaking financing solutions to the consumer finance industry.
Consumer finance companies have been searching for ways to build a bridge from the traditional ABL (Asset Backed Loan) structure to ABS (Asset Backed Securitization) capital markets structures for portfolios less than $250 million. Agora’s innovative SPV (Special Purpose Vehicle) structures have solved that inequity, and as a result, is leveling the playing field for all finance companies.
See Why Industry Leaders Choose Us
United Consumer Finance
Their innovative liquidity solutions and exceptional support have expanded our credit capacity, enabling us to meet growth targets, boost profitability, and build a strong foundation for the future.”
Scott S. – President of United Consumer Finance
Road Auto Lending
“Agora is a dependable strategic partner offering Road Auto Lending a distinct advantage through cutting-edge technology and comprehensive capital resources for us to serve both independent and franchise dealers better.
Agora’s seamless liquidity solutions and responsive support have quickly and significantly increased our credit capacity, enabling us to meet our expanding capital requirements and accelerate growth plans.”
Adam K. – Owner of Road Auto Lending
Model Finance Company
“We are fortunate to work with a trusted partner like Agora, providing us with a reliable and stable source of capital and technology to fuel our portfolio growth.
This transaction allowed us to refinance from a national bank, securing greater flexibility and a higher potential for portfolio growth. Partnering with Agora for this refinancing and access to new capital gives us the liquidity needed to better serve our dealers and customers.”
John C. – President, Model Finance Company
Meet our Financial Institution Group Leaders
Our Financial Institutions Group has decades of banking and structured finance experience, managing one of the largest senior lending companies providing capital to consumer finance companies nationally. The Agora Financial Institutions Group team managed over $7 billion in assets prior to joining Agora.
Get In Touch
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