Private credit investments experience fewer ups and downs because they are a debt investment, not equity. Their value doesn't fluctuate as much as stocks, which can be influenced by market sentiment or speculation.
With a fixed repayment schedule, you can expect to get your money back plus interest. This is different from stocks, where returns depend on when you buy and sell.
Private Credit investments have special traits that protect the investor, like collateral (real assets that can be sold to cover investors' funds), and covenants (rules that tell the borrower what they can or can't do).
See how your money is being put to use in real time. All flows of your investment being paid out and repaid are recorded on immutable ledger, and accessible from our site.
Diversify your portfolio to enhance your yield by investing in Private Credit. Anzen makes yields from Real World Assets more accessible by accepting fiat and stablecoins.
Select investments have Credit Default protection. This is the ability to purchase protection against defaults that would cause you to lose money. The way this works is that the investor gives up a percentage of the yield. For example instead of receiving 12%, receive 10%. Protection Sellers are paid 2% to protect the investor from losses if there is a default.
Getting started is really simple.
What types of investments does Anzen offer?
Anzen currently offers short-term debt investments with competitive risk-adjusted returns. All offerings are securities exempt from SEC-registration under Regulation S. Returns are based on the performance of underlying assets such as factored invoices and merchant cash advances that are selectively sourced through our borrower partner network.
How does Anzen generate yields on its investments?
Anzen generates yields on its investments through short-term debt investments with fixed interest rates that are based on the performance of carefully selected underlying assets such as factored invoices and merchant cash advances.
These investments are sourced and underwritten by Anzen's partner network and are designed to provide competitive risk-adjusted returns for investors. Anzen also employs advanced financial surveillance technologies to monitor asset performance in near real-time.
Who can invest in Anzen's private credit assets?
Anzen is currently open to non-US investors.
How is the credit risk of the borrowers assessed?
Our underwriting partner Percent minimizes risk and maximizes returns by thoroughly vetting every opportunity via a stringent proprietary risk framework. Investors can view detailed information on the structure, borrower covenants, and other characteristics of each deals on Anzen.
What happens if there is a default of the underlying asset? How is my investment protected?
To mitigate this risk of default, Anzen often requires that borrowers which are specialty finance companies absorb losses on their assets up to a predetermined point. This provides a cushion called “overcollateralization.” Overcollateralization is essentially the value of assets in a portfolio that is in excess of the amount required to fully collateralize a note's principal value.
To illustrate the protection provided by this overcollateralization, suppose a note is collateralized by assets with a 5% default rate. If that note has 20% overcollateralization, the protection would amount to 4x the historical default rate. In this example, even if defaults were to come in at twice their historical level, for example, there would still be ample cushion of principal balance over the note provided by the excess collateral.
How can I start investing with Anzen?
Becoming involved with Anzen is simple. Just visit our website to create an account and complete the registration process. Once you complete the KYC process, you will have access to our platform and can begin exploring our curated selection of private credit investment opportunities.
The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. None of the information contained on this website is a recommendation to invest in any securities. Anzen does not render investment, financial, legal or accounting advice.