Charting the future of inclusive finance
Accial Capital is an impact-focused, tech-enabled investor in small business and consumer loan portfolios in emerging markets
ACCIAL AT
A GLANCE
*As of Q1 2020
ABOUT US
Accial Capital’s team is composed of emerging market credit and data experts, having led the growth of an award-winning credit scoring technology used to approve millions of borrowers and $1Bn+ in loans in 20+ markets. In 2017 the team started progressively building a portfolio of emerging market consumer and small business lending investments.
Accial Capital is backed by Davis Capital Partners, a multi-billion AUM family office based in San Francisco.
WHAT WE DO
Our Edge
TECHNOLOGY & DATA DRIVEN
The ORCA (Ongoing Risk & Cashflow Analytics) data, risk management and reporting system is based on a decade of experience of credit scoring in a multi-market, multi-originator, multi-product context.
IMPACT-FOCUSED
Accial Capital invests in responsible lending portfolios and measures impact through IRIS+ indicators mapped to United Nations Sustainable Development Goals.
EMERGING MARKETS EXPERTISE
Team members with deep emerging markets experience in fintech, investing, credit decisions, data and technology.
TECHNOLOGY
Introducing ORCA
Our purpose-built proprietary risk management platform ORCA (Ongoing Risk and Credit Analytics) is tailored to alternative finance providers in emerging markets
Reliable & accurate data
Our system performs two stages of validation checks standardizing data across multiple platforms, resulting in a clean unified data source – a remarkable asset in EM.
Data Management is our Specialty
Years of experience working together at a predecessor company means that the team has “seen it all” when it comes to cleaning and working with fragmented data.
Accessible anytime, anywhere
ORCA sits on the cloud, available both on desktop and mobile and can be accessed by the internal team, investors, and lending platforms to provide full transparency on investments
Bespoke reporting and data science
Data is simplified and organized into the data warehouse, becoming available as inputs to one-off analysis, custom reports, and data science processes related to risk and credit modeling.
IMPACT
OPERATIONALIZATION
We focus our investments in portfolios of loan products that generate resilience (income smoothing) and/or opportunity for end borrowers. All prospective lending platform partners must pass our Responsible Lending Framework to be eligible for investment. Adherence to the product focus and framework is overseen by Accial Capital’s Impact Management Committee.
Accial Capital is a signatory to the Responsible Finance Forum Investor Guidelines and is a member of the Global Impact Investing Network. Our membership signifies a commitment to deepening our engagement in the impact investing industry.
MEASUREMENT
We directly measure impact by applying GIIN’s widely accepted IRIS+ indicators that are formally mapped to UN SDGs and thus broadly comparable.
IRIS+ Indicators Reported on by Accial Capital are formally mapped to the following UN SDGs.
HOW WE DO IT
Our Model
PRIMARY ASSET CLASS
Consumer & small business loan portfolios, originated by early to mid-stage, tech-enabled non-bank lenders in select emerging markets.
pRIMARY ENGAGEMENT MODEL
Deep in-market research, comprehensive data gathering and analytics, constructive deal negotiation, constant monitoring and analysis through ORCA.
pRIMARY iNVESTMENT STructure
Senior secured loans backed by overcollateralized, off-balance sheet cash flows of eligible assets
