Portfolio & track record

Diversified, verified, and seasoned.

The track record an underwriter actually needs: how the book is composed, what we advance, how dilution and losses have behaved by vintage, and the concentration limits and recovery process that keep the risk where it was modelled. Every figure on this page links to its methodology.

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Composition

Spread across segments, debtors and geographies.

The book is built to be granular. No single debtor, segment or region carries the portfolio; renovation and energy-efficiency work is tagged to the EU Taxonomy and tracked as its own slice. The dashboard is representative — the data room carries the live composition for [region].

Four originating segments, none dominant
Per-debtor and per-segment concentration limits
EU-Taxonomy-tagged renovation tracked separately
Geographic diversification across the operating region

facility.company.eu/overview

Representative

Facility overview

Updated · live

Portfolio composition

General contractors 34%
Subcontractors & trades 28%
Renovation & energy-eff. 24%
Public-works suppliers 14%

Advance rate

up to XX%

Avg payout

24h

Dilution

X.X%

Green-tagged

38%

Recent advances

Counterparty	Region	Status	Time
Subcontractor	[region]	advanced	22h
Renovation trade	[region]	advanced	19h
Public-works supplier	EU	verifying	—
General contractor	[region]	advanced	24h

Avg payout 24h

Green-tagged 38%

STS-eligible

Dilution & loss history

Disclosed by vintage, not blended away.

Two numbers decide whether a receivables book is underwritable: dilution — the non-credit reductions from set-off, retention and disputes — and realised credit loss. We disclose both by vintage, so performance can be read through the cycle rather than flattered by a single blended figure.

X.X%

Historical loss rate

Realised credit losses across the seasoned receivables book, by vintage.

portfolio report

X.X%

Dilution

Non-credit reductions to receivables (set-off, retention, disputes), reserved against.

portfolio report

How to read it

Loss rate is reported by vintage, net of recoveries
Dilution is reserved against before any advance is made
Neither is a blended single figure across the book
Both reconcile to the audited portfolio report

Advance rates

What we advance, and why it is conservative.

We advance a defined proportion of certified invoice value on day one, holding back a reserve against dilution and retention. The advance rate is set per debtor and per segment from observed dilution history — not a single headline number applied across the book.

Advance set per debtor and per segment, not blanket
Reserve held back against dilution and retention
Certified-work value is the base, never gross billing
Conservative by design — the buffer is the protection

Advance, at a glance

up to XX%

Advance rate

terms

X.X%

Dilution

portfolio report

Methodology

How every figure on this page is computed.

Transparency is the point. Each metric is defined, sourced and reproducible from the data room. Where a figure is not yet substantiated it renders as pending rather than as an invented number — the brief is strict on this, and so are we.

Receivables financed: Cumulative gross value of certified construction invoices advanced, measured at disbursement and net of cancellations.
Loss rate: Realised credit losses as a share of advanced value, reported by vintage and net of recoveries.
Dilution: Non-credit reductions to receivables — set-off, retention and disputes — as a share of gross value, reserved against in advance.
Advance rate: Proportion of certified invoice value advanced on day one, derived per debtor and per segment from observed dilution.

Figures audited by [Auditor] and externally rated by [Agency]; the full methodology and supporting data sit behind the data room.

Concentration limits & recovery

Limits that hold, recovery that follows through.

Diversification is enforced, not hoped for. Hard limits cap exposure to any one debtor, segment or region; when a receivable underperforms, a defined recovery and set-off process runs to maturity. We hold a junior position, so our incentives sit alongside the senior risk-taker's.

Limits & recovery