Rigorous Origination

Rigorous Origination

We conduct full, on-site due diligence of every potential counter-party including a complete audit of receivables history.

We individually underwrite each obligor and ultimately authenticate each receivable. Exposure limits are individually assigned and strictly monitored. We only lend to vendors who have a history of long-standing client relationships and who possess robust internal controls and who are able to adhere to Cortland’s requirements for credit enhancement.

What separates Cortland’s SCF program for other asset based lenders is the short-term nature of our exposures (typically 45 days); the multiple levels of recourse inherent in our structure and the use of vendor-source segregated collateral.

With a priority claim on the assets we lend against and by ensuring there is ongoing vendor recourse – we mitigate the risk of loss due to credit impairment. Cortland is a strategic partner to our counterparties and integral to their access to credit and growth – and as such we possess very granular and timely data on their credit profile. 

We employ state-of-the-art analytics to monitor and track our counterparties and the flow of goods and services.

Unique Asset Based Financing

Due Diligence

Our Structure

SCF offers a unique assets-based financing solution for growing businesses. We target solid businesses with well-established and repeat customers.

We conduct full, on-site due diligence of every potential counter-party including a complete audit of receivables history.

Our structure benefits from recourse to both the vendor and receivable obligor. We ensure that each deal includes excess and segregated collateral and we posses a direct claim on underlying assets. Click here to view more on our strategy

5.8%
1-Year Return
0.2
Years of Portfolio Duration
0.3%
Portfolio Volatility
34
Consecutive Months of Positive Returns