Charting the future of inclusive finance
Accial Capital is an impact-focused, tech-enabled investor in small businesses and consumer loan portfolios in emerging markets
ACCIAL AT A GLANCE*
*As of March 2020
Accial Capital seeks to reduce the emerging market credit gap by bringing capital, technology, data and domain expertise to innovative, responsible consumer and small business lenders in emerging markets.
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.
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
Emerging Markets Expertise
Team members with deep emerging markets experience in fintech, investing, credit decisions, data and technology.
Our purpose-built proprietary risk management platform ORCA (Ongoing Risk and Credit Analytics) is tailored to alternative finance providers in emerging markets
Accial Capital’s vision is to contribute a world of widespread financial health in emerging markets.
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.
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.
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