Generate a 7% Yield
Secured by Seasoned Auto Loan Assets
or Contact 336-316-8721
What is ATALT?
A Smarter Alternative to Traditional Fixed-Income Investments
AgoraTrade Auto Loan Trust (ATALT) is a structured investment trust that allows qualified financial institutions to have a secured position of seasoned, performing non-prime auto loans within a Delaware Statutory Trust framework. Each portfolio is customized to meet your institution’s investment objectives, risk tolerance, and capital deployment needs.
Unlike traditional investments, ATALT provides direct exposure to underlying asset performance, transparent cash flow modeling, and yield maintenance designed to support targeted returns.
For institutions evaluating yield opportunities, ATALT combines the economics of seasoned auto loan assets with the structure, oversight, and transparency expected in an institutional investment program.
Why Financial Institutions Choose ATALT:
High Yield
Target net annual returns of at least 7%, with quarterly yield maintenance designed to help achieve expected performance outcomes.
Transparent Due Diligence
Review cash flow projections, runoff models, portfolio analytics, and asset data before investing.
Customized Portfolio Construction
Portfolios can be structured based on your institution's desired investment size and risk profile.
Aligned Interests
Agora Data economics are aligned with investor outcomes. The program is structured so investor yield objectives are prioritized.
How ATALT Works
Portfolio Design
Agora works with your institution to identify portfolio size, return objectives, and risk parameters.
Due Diligence & Review
Your team receives access to modeling, portfolio data, cash flow projections, and supporting documentation for evaluation.
Trust Structure
Assets are held within a Delaware Statutory Trust with independent oversight and established servicing processes.
Ongoing Returns
Cash flows generated by the underlying loan portfolio are distributed according to the transaction structure, with quarterly yield maintenance provisions designed to support target returns.
The Agora Advantage
Key Program Highlights
Target Return
Minimum 7% net annual return
Portfolio Size
Typically, $5M–$50M+
Asset Type
Performing, seasoned auto loans
Structure
Delaware Statutory Trust
Trustee
Wilmington Trust (M&T Bank division)
Servicing
Agora Data serves as Master Servicer
Term
2 years, renewable
Transparency
Cash flow models, portfolio analytics, and documentation available for review
Ready to Explore ATALT?
Whether you’re evaluating alternative investments or seeking new opportunities to deploy capital, we’re happy to discuss whether ATALT aligns with your institution’s objectives.
Call or Text our ATALT Team:
Schedule a Meeting
Frequently Asked Questions
Why would a bank choose ATALT instead of another investment option?
ATALT is designed for financial institutions seeking exposure to seasoned, performing auto loans with greater transparency into the underlying assets. The program emphasizes direct ownership exposure, customizable portfolio sizing, comprehensive reporting, and ongoing servicing oversight through a trust structure.
How does ATALT help community and regional banks put excess liquidity to work?
ATALT provides banks and credit unions secured income-producing auto loan portfolios designed to generate attractive risk-adjusted returns while maintaining visibility into performance and collateral. The program was developed specifically for institutions seeking secondary-market investment opportunities outside traditional lending and securities investments.
Why are seasoned auto loans attractive compared with newly originated loans?
ATALT focuses on seasoned, performing auto loans. Because these assets have an established payment history, investors can evaluate actual performance data and portfolio characteristics rather than relying solely on projections associated with newly-originated loans.
What is ATALT?
AgoraTrade Auto Loan Trust (ATALT) is an investment program offered by Agora Data that gives financial institutions exposure to seasoned, fully documented, performing non-prime auto loans through a structured trust vehicle. The program combines asset ownership, servicing, reporting, and portfolio oversight into a single solution for institutional investors.
Who is ATALT designed for?
ATALT is designed primarily for local, community, and regional banks, as well as credit unions and other financial institutions seeking alternative income-producing assets. Typical stakeholders may include:
- Chief Investment Officers
- Chief Financial Officers
- Chief Lending Officers
- Chief Operating Officers
- Chief Executive Officers
What return does ATALT offer?
ATALT is designed to return a minimum of 7% annually. Investors receive ongoing reporting and portfolio performance updates throughout the life of their investment.
What protections are built into the structure?
ATALT incorporates multiple structural protections, including trust-based ownership, third-party trustees, custodial controls, collateral documentation requirements, ongoing servicing oversight, and portfolio monitoring. These features are designed to support transparency, governance, and risk management throughout the investment lifecycle.
What happens next if we're interested?
Contact us to schedule a conversation with the ATALT team. We can discuss your institution’s investment objectives, provide additional diligence materials, review portfolio opportunities, and answer any questions about the program.
What types of loans are included in the portfolio?
Portfolio assets consist of performing automobile retail installment contracts. Loan pools are selected based on defined eligibility criteria and portfolio characteristics established for the trust.
How large can an investment be?
ATALT offers customized portfolio sizes based on an institution’s objectives. Investment sizes range from $5 million to $50 million, with flexibility based on portfolio availability and investor requirements.
Who services the loans?
Agora Data serves as the Master Servicer, providing loan servicing oversight, reporting, cash flow administration, reconciliations, and portfolio performance monitoring.
What reporting is available?
Investors receive detailed portfolio reporting designed to provide visibility into portfolio performance, cash flows, servicing activity, and asset-level trends. Additional reporting may be available as part of the diligence and investor support process.
How quickly can we get started?
Interested institutions can begin the review process with program materials, portfolio analytics, cash flow information, and transaction documentation. The diligence process can be tailored to the requirements of each institution.
How do I contact you for more information?
Call us or text directly at (336) 316-8721 or schedule a meeting with the ATALT team. We can discuss your institution’s investment objectives, provide additional diligence materials, review portfolio opportunities, and answer any questions about the program.