Providing Capital and Access to Securitization Markets

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Program Highlights
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Meet Expanding Capital Requirements Now and In the Future

Shift your finance company into expansion mode with capital and analytics powered by advanced artificial intelligence built by Agora Data. Our structured finance programs with off-balance sheet, non-recourse facilities fill a significant void for finance companies with loan portfolios of less than $250 million. Borrow up to $100 million without personal guarantees or diluting your ownership with equity raises.

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

Gain access to capital and liquidity of up to $100 million, with non-recourse terms.
We offer advance rates that align with current market conditions, ensuring that you will have competitive loan programs for your dealers.

Agora provides a platform for securitizing receivables from multiple finance companies. Grow, manage risk more efficiently, and improve your overall financial health.

Financial covenants are non-existent in our structured facilities.

No monthly balancing act on loan level concentrations causing ineligible loans. Your borrowing base is simplified!

No ongoing commitment fees and no financial audit fees. Keep more of your revenue.

True Asset Manager
Portfolio Guidance
Legal Structures
Servicing and Underwriting
Capital and Treasury Services

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.

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.

Sharon Mancero

Managing Director,
Group Head

Bill Laird

Managing Director,
Risk Management and Operations

Loren Love

Managing Director,
Operations, Reporting and Analytics

Jim Bass

Managing Director,
Strategic Markets

Mark Sena

Director,
Operations and Analytics

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© 2024, Agora Data, Inc. All rights reserved. Disclaimer: Terms contained herein are indicative and solely for discussion purposes. This does not present many of the required material terms and conditions. Timing and amount of additional loan profit, (if any) are not guaranteed. In addition, the terms, conditions, costs and effectiveness of any transaction will be subject to, among other things, market conditions, satisfactory due diligence, business and credit approval, all as determined at Agora’s sole discretion.

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