Best Tech-Driven Investment Platform 2025 - UK Lendable Capital’s strategy Lendable Capital is a specialist asset manager focused on consumer and alternative credit. Lendable’s core investment strategy centres on building diversified exposure to short‑duration, self-amortising assets sourced via Lendable’s proprietary underwriting platforms, alongside the flexibility to deploy Lendable’s underwriting advantage to source select third-party portfolios. Direct access to origination platforms acts to reduce adverse selection risk faced by asset managers, providing greater transparency and certainty of deployment for investors, while enhancing long-term riskadjusted returns. The opportunity in consumer credit Consumer finance is one of the most attractive and resilient areas within asset-backed finance (ABF). Its granularity and short duration provide flexibility through the cycle, allowing pricing and underwriting to adjust quickly as conditions evolve. A typical LCOR fund benefits from exposure to hundreds of thousands of underlying obligors, ensuring high levels of granularity and diversification. Self-liquidating assets also have the benefit of not being reliant on the ability of the underlying borrowers to refinance their debt at the end of the loan term, in contrast to corporate debt and other markets. Traditionally consumer credit has been difficult for investors to source as high-street banks dominated access to customers and held the loans for their own balance sheets. Lendable Capital has been a driving force in bringing consumer credit out of the banks and into the investable universe, having managed over $10bn of consumer credit products since launch. This growth has been supported by longterm trends, including the retrenchment of banks from lending markets, alongside changes in consumer behaviour and the rise of open market price-comparison websites for consumer credit - all of which support Lendable Capital’s advantage. A technology edge built over years Over more than eleven years at the forefront of AI-powered underwriting, Lendable has designed, trained and deployed advanced machine-learning models that evaluate risk beyond traditional bureau scores. Automated credit decisioning within seconds draws on rich, proprietary datasets accumulated across millions of credit interactions, repayments, and lifecycle events. Better models translate into more positive borrower selection - supporting competitiveness, boosting lending volumes, and driving superior investor returns. Direct access, with strategic flexibility Direct access to underwriting platforms is a key differentiator for Lendable Capital. Dedicated origination delivers transparency on where capital is invested, as well as supporting more rapid and predictable deployment. At the same time, their funds retain strategic flexibility: “we apply the same underwriting advantage to third-party portfolios to identify compelling value, broadening the investable universe”. Strong track record of investor returns Lendable Capital has demonstrated a strong and resilient track record across all four vintages of the LCOR fund programme, proven through COVID, the cost-of-living crisis, the rapid increase in rates in 2022, and the extreme market volatility around the September 2022 mini-budget. The resilience of consumer credit is made clear by the availability of consumer credit-bureau data over decades, illustrating the asset class’s response to historic shocks such as the global financial crisis (GFC). Financial inclusion and ESG Financial inclusion is integral to Lendable’s mission. Traditional underwriting scorecards can exclude creditworthy customers who may be pushed towards higher-cost or shorterterm products. Lendable’s technology aims to expand access to better priced and more stable credit, with terms measured in years rather than weeks or months. “We are delighted to be named Best TechDriven Investment Platform 2025 (UK), reflecting Lendable Capital’s dedication to deploying the best technology to deliver great outcomes for borrowers and investors. With the launch of our fifth fund in 2025, we have continued to build our strong track record of delivering attractive riskadjusted returns to investors while offering scalable opportunities in the hard-to-access consumer credit space” – Rory McHugh, CEO, Lendable Capital. Contact: Dominic Jameson Company: Lendable Capital Website: https://www.lendable.com Lendable Capital is a $4.5bn AUM asset manager offering professional investors investment opportunities in consumer and alternative credit, including through its flagship Lendable Credit Opportunities RAIF (“LCOR”) fund programme. Lendable Capital provides investors direct access to proprietary origination platforms and has over 11 years of experience in AI-powered credit underwriting, leading to an embedded advantage in data and technology. The result is a tech-driven investment platform offering access to the hard-to-source consumer credit asset class, backed by an extensive track record of strong returns across multiple market conditions. Rory McHugh, Lendable Capital’s CEO
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