Thanks to the integration with company accounting, MyCreditService has a high quantity and quality of information, which is processed by the proprietary algorithm, which returns an “adjusted” rating on current company performance.
All the models, methodologies and experience of a European Credit Agency such as Modefinance, which intervenes as an active and independent part in the process of evaluating the credit portfolios to be brought to the market, then flank the automatic valuation.
With its operating model, MyCreditService offers the market a placement of multi-client and multi-bank credit stock, with high portfolio granularity and consequent implicit risk splitting.
Added to this is the possibility of activating collateral credit enhancement structures to the portfolio, to be applied to the more junior components of the stocks and aimed at reducing market and counterparty risks.
Finally, investors are “guaranteed” in their investments by support activities for the internal collection that ensure management of the unpaid up to the judicial level.
Loans placed on the market through MyCreditService have three characteristics: they are short maturity, mainly due to their commercial credit characteristic; they are potentially revolving, as they are linked to the recursive activity of working capital; they are uncorrelated with respect to the performance of the equity and bond indices.
All this translates into the possibility for investors to allocate on short-term assets, and therefore with high liquidity, with, however, the possibility of stabilizing the return on an annual basis through a revolving strategy.
And with the added possibility of diversifying risk with respect to stock market trends.