Keystone’s consumer finance platform is diversified across various sectors, including secured auto loans, credit card receivables, consumer installment loans, bankruptcy claims, and retail leasing strategies.
Typically, our consumer credit transactions are secured by large portfolios with thousands of receivables or other consumer credits and in relatively small individual dollar amounts. This portfolio approach allows us to achieve both scale and a high-level of diversification. Keystone professionals carefully underwrite and monitor items such as advance rates, collections rates, delinquencies, charge-offs, recovery rates, and other data points. We seek to ensure that there is an ample equity cushion or other assets that are pledged as collateral and remain subordinate to Keystone’s position.