Structured Finance Deal Origination
Structured finance deal origination is about crafting bespoke capital solutions—asset-backed securities, securitizations, collateralized loan obligations (CLOs), or receivables financing—that match complex cash flows and risk profiles. We source mandates from corporates, asset managers, and sponsors, then leverage our global network of investors to place tranches at optimal pricing. If you need specialist expertise to turn illiquid assets into bankable securities, structured origination is your starting point.
What Is Structured Finance Deal Origination?
At its core, structured finance transforms pools of cash-generating assets—leases, mortgages, trade receivables—into tradable securities. Originating these deals means:
- Identifying assets and cash flow streams that can support rated securities.
- Designing a capital stack with senior, mezzanine, and equity tranches.
- Coordinating rating-agency, legal, tax, and accounting inputs to create an offering memorandum.
- Engaging with investors—banks, insurance companies, pension funds—to place each tranche at competitive yields.
Origination Process & Timeline
We run a tightly managed process to meet market windows and issuer timelines. Typical deal cycles span 8–16 weeks:
| Phase |
Key Activities |
Expected Duration |
| 1. Mandate & Asset Review |
Asset due diligence, cash-flow analysis, preliminary structure |
2–3 weeks |
| 2. Structuring & Documentation |
Drafting SPV documents, indenture, offering memorandum, rating-agency engagement |
4–6 weeks |
| 3. Marketing & Investor Roadshow |
Investor teasers, non-deal roadshows, feedback incorporation |
2–3 weeks |
| 4. Pricing & Closing |
Bookbuilding, tranche pricing, legal close, fund transfer |
1–2 weeks |
Our Expertise & Your Advantage
- Multi-asset experience:
commercial mortgages, auto leases, trade receivables, aircraft leases, renewable energy cash flows.
- Global investor network:
regional banks, insurance companies, pension funds, hedge funds, asset managers.
- Rating-agency relationships:
streamlined dialogue with S&P, Moody’s, Fitch to secure investment-grade or bespoke ratings.
- Legal & tax structuring:
SPV setup, securitization law, cross-border considerations, efficient tax wrappers.
- Governance & compliance:
trustee appointment, servicer oversight, covenant monitoring and reporting.
What Investors & Rating Agencies Look For
To commit capital, investors and agencies demand transparency and predictability:
- Clean asset pool:
low default history, homogeneous credit characteristics.
- Robust cash-flow modelling:
stress tests, waterfall mechanics, liquidity triggers.
- Strong servicer track record:
management experience, technology platforms, KPI reporting.
- Alignment of interests:
sponsor/sub-servicer equity skin-in-the-game.
- Regulatory compliance:
Basel III/IV, Solvency II, local capital and risk retention rules.
Common Misconceptions & Pitfalls
- “Any pool of assets will securitize”:
Without homogeneous performance and enforceable rights, ratings suffer and pricing widens.
- “Skip rating agencies”:
Unrated deals carry a yield penalty; many institutional investors require a rating.
- “One-size-fits-all waterfall”:
Waterfall mechanics must reflect asset performance patterns and legal constraints.
- “Documentation is boilerplate”:
Tailored covenants, servicer obligations, and liquidity facilities are deal-specific.
How Financely Accelerates Your Deal
We combine origination, structuring, legal coordination, and distribution under one roof. Our integrated team—credit analysts, lawyers, tax experts, and investor-relations specialists—executes in parallel, compressing timelines without sacrificing quality. With pre-qualified investor commitments and standing agency relationships, we take you from mandate to close in as little as eight weeks, delivering certainty and competitive execution.
Looking for a partner to originate and place your structured finance transaction? Let’s get started.
Contact Us
Frequently Asked Questions
What asset types do you securitize?
We’ve handled pools of auto leases, trade receivables, commercial mortgages, aircraft leases, and renewable energy receivables.
How long does a typical deal take?
From mandate to close, deals range 8–16 weeks depending on complexity and regulatory reviews.
Do you need a rating?
While unrated transactions are possible, most institutional investors require an investment-grade rating from S&P, Moody’s, or Fitch.
What fees are involved?
We charge an origination fee (percentage of deal size) and an advisory fee for structuring, legal, and investor coordination, all negotiated up front.
Who leads the underwriting?
Financely’s in-house structured credit team—veteran securitization bankers and analysts—manages all asset diligence and investor engagement.