Small and medium-sized companies (SMEs) are important to the economy and to the growth of employment. A company's growth typically involves temporary shortages of working capital.
The current bank-based financing system is often focused on serving financial needs of larger companies. Increased regulation and tightening capital adequacy requirements force traditional banks increasingly more to avoid finding of SMEs.
A large number of growth SMEs are at risk of having shortages of funding in their most critical growth phase – they do not have fixed assets to be used as collateral and dilution through equity offering due to temporary financing needs is not feasible.
At the same time, investors in the stock market are looking for safe heaven and investors in the fixed income market are looking for cash yield in the current, low interest rate environment.
Nousu Capital
Nousu Capital is a financial technology (fintech) company, which utilizes the best practices of corporate banking, asset management and financial technology
Nousu Capital mediates credit-rated business loans from investors to SMEs.
The credit risk management is one the focus areas of Nousu Capital. It is based on a professional credit analysis, a borrower’s financial projections and a new, statistical credit rating developed with first-class specialists.
Nousu Capital is registered loan-based funding intermediate and payment service provider by the Finnish Financial Supervisory Authority
Nousu Capital was founded in 2017.
Criteria for corporations which need funding
Loans
Investors
Benefits of Nousu Capital’s funding for SMEs
Benefits of Nousu Capital’s loans for Investors
Nousu Rating
Nousu Rating is an advanced way to measure and compare credit risk.
| Rating | Description | Share of all companies |
Probability of bankruptcy |
|---|---|---|---|
| AAA | Best | 5% | less than 0,001 % |
| AAA- | Best | 5% | less than 0,005 % |
| AA+ | Excellent | 10% | less than 0,051 % |
| AA | Excellent | 10% | less than 0,156 % |
| AA- | Excellent | 12% | less than 0,438 % |
| A+ | Good | 11% | less than 0,884 % |
| A | Good | 14% | less than 2,120 % |
| A- | Good | 9% | less than 4,128 % |
| B | Satisfactory | 8% | less than 7,327 % |
| C | Weak | 16% | more than 7,327 % |
Nousu Capital has developed with first-class specialists a new, statistical credit rating called Nousu Rating.
Nousu Rating provides a reliable estimate of the risk that the company faces financial difficulties over a period of several years.
The statistical credit rating model presented here has been developed by Professor Erkki K. Laitinen and Professor Teija Laitinen from the University of Vaasa in cooperation with Nousu Capital's specialists.
Erkki K. and Teija Laitinen are internationally distinguished accounting and finance researchers and have tens of years’ experience in developing various statistical models that measure the company's financial risk.
Nousu Capital's experts have several decades of experience in corporate finance.
Rekisteröidy sijoittajaksi. Sijoita kuluitta.
