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MarkitLend US Consumer Finance Fund (USCF)
6821 Tortola Way, Fort Collins, CO, USA

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Investment
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Overview

MarkitLend provides a gateway to a suite of professionally managed investments focused around one of the fastest growing areas of finance today – peer to peer lending. We created a truly international business by merging SymCredit, a growing European P2P lending platform with US based Software for Marketplace Lending (SMpL), which has a track record of success investing in US consumer loans.

Our mission is to provide investors not just investments, but also the tools, expertise and personal dedication it takes to make investments that generate returns. Our team of finance professionals has more than 20 years of experience and has worked at major international banks in corporate finance, portfolio management, investment analysis and trading.

An International MarkitPlace for Business Loans
Our MarkitPlace enables investors to earn attractive rates of interest lending direct to credit worthy businesses from the US and Europe. The loans are available in a range of currencies and tenors. Eligible borrowers must meet our credit standards.

Interest rates available are determined by our proprietary credit scoring models. We invest in the loans on the platform along with our clients. Once the loan is issued we manage the loan for and on behalf of our investors. From the day the loan is originated to the day the loan is repaid MarkitLend is on the scene.

Investors can either select loans themselves or let us build and manage their loan portfolio.

Company Info

Company Info

MarkitLend is a Peer to Peer (P2P) loan investment advisor and fund operator.

MarkitLend provides a gateway to a suite of professionally managed investments focused around one of the fastest growing areas of finance today – peer to peer lending.

We created a truly international business by merging SymCredit, a growing European P2P lending platform with US based Software for Marketplace Lending (SMpL), which has a track record of success investing in US consumer loans.

The principals, Mr. Michael Sonenshine CFA and Mr. Fernando Sanchez, have over 40 years combined of successful loan portfolio management, including P2P structures the last 10 years.

Over the last three years we have been executing on our P2P strategy in applying FinTech to our offering:

Our currently offered private mutual fund, USCF (United States Consumer Finance), utilizes proprietary and proven algorithms to acquire P2P loans, consistently delivering approximately an annual 7.5% return and very low volatility of approximately 0.3%. Please refer to our monthly fact sheet under the News tab.
MarkitLend’s DLT (Distributed Ledger Technology, also known as BlockChain) is utilized in our Investors tab/portal.
It is used for managing AUM (Assets Under Management). For example, share registry and audit/assurance
As Custodian, KoreTransfer

MarkitLend’s USCF has been audited for the years 2017, 2018 and 2019 and received a clean opinion, audit reports in Compliance tab.

Our USCF fund is highly diversified with almost 3,000 distinct loans, all for debt consolidation or credit card refinance
The original terms of the loans are for either 36 months (60% of the portfolio) or 60 months
All loans are fully amortizing and MarkitLend receives principal & interest daily
Annual return approximately 7.5% with volatility of 0.30%, risk adjusted return (Sharpe Ratio) of approximately 20+%

Our registration information, with all appropriate regulatory agencies is available and some of the registries can be seen above.

Fernando Sanchez | CEO

Mr. Sanchez is a seasoned business executive and professional investor with more than 30 years of experience. Prior to co-founding MarkitLend, Mr. Sanchez developed SMpL, which uses a sophisticated set of alogrythms to select consumer loans from peer to peer platforms.

Mr. Sanchez’s algorithm and software have produced consistent returns over the last several years of more than 7% per annum with a volatility as measured by standard deviation of 0.5%.

Mr. Sanchez has a long and varied career delivering results in enterprises ranging from private to public and start-ups to multinational enterprises. Appropriate experience include CEO of a business credit portfolio, much like GE Capital, of $300 million.

Mr. Sanchez was born in Cuba and emigrated to the United States at an early age. He is a naturalized US citizen (1975). He has a B.S.M.E. from the University of Miami and an MBA, specializing in Finance, from the University of Michigan.
Michael Sonenshine | CIO

Mr. Sonenshine is responsible for the development of the MarkitLend credit processes. He is also the architect driving the operating processes for the SymCredit and MarkitLend platforms.

Mr. Sonenshine is a founding partner of MarkitLend and Symfonie Capital, LLC. Before founding Symfonie Mr. Sonenshine was Investment Principal at MT Thaler Investment Management. He was responsible for selection of investments in credit instruments, both performing as well as distressed.

Prior to joining MT Thaler Mr. Sonenshine held senior credit research positions at Credit Suisse First Boston and ING Bank. He was ranked among the top analysts in Institutional Investor, EuroMoney and Credit Magazine.

Prior to his work as a high yield analyst Mr. Sonenshine was General Manager of ING Investment Management, Czech Republic. Under Mr. Sonenshine’s leadership, ING Investment Management managed approximately US$250 mn and launched three Luxembourg domiciled, Czech Koruna denominated investment funds.

These funds were the first of their kind in the Czech market and outperformed their benchmarks. Prior to working for ING investment management, Mr. Sonenshine was senior Equity analyst at ING Barings focused on Russia and Central Europe. Sonenshine earned his CFA designation in 1999.

He holds an MBA from the William E. Simon School at the University of Rochester, where he specialised in Finance and Public Policy. He also holds a B.A. in History from Tufts University.

Investment Highlights

Fund Summary

MarkitLend US Consumer Finance Fund (USCF) invests in a well-diversified portfolio of Peer to Peer (P2P) US consumer loans.

The Fund focuses its investment in loans with the stated purpose of refinancing credit card debt or debt consolidation. The portfolio has purchased 3,330 loans.

The Fund seeks to achieve a high level of income as well as return of principal with low volatility. Maturities of the loans in the portfolio are up to 60 months. The continuous flow of income and principal enables the fund to reinvest continuously and compound returns.

Further, the relatively short duration of the portfolio effectively lowers overall volatility in response to changes in interest rates.

Fund Audit
MarkitLend’s USCF has been audited for the years 2017, 2018 and 2019 and received a clean opinion, audit reports:

Our USCF fund is highly diversified with almost 3,000 distinct loans, all for debt consolidation or credit card refinance
The original terms of the loans are for either 36 months (60% of the portfolio) or 60 months
All loans are fully amortizing and MarkitLend receives principal & interest daily
Annual return approximately 7.5% with volatility of 0.30%, risk adjusted return (Sharpe Ratio) of approximately 20+%

Our registration information, with all appropriate regulatory agencies is available and some of the registries can be seen above.

Financial Snapshot

Investment Type: Fixed Income
Offering Type: Equity
Funding Goal: $50,000
Initial Amount Raised: $0
Minimum Investment Amount: $1,000
Asset class: US Consumer Loans – Debt Consolidation
Structure: US LP
Category: Fixed Income | Alternative Assets
Registrations: ISIN (CUSIP) #US5706501013
Net Asset Value per share: $12.96803
Annual return: 7.82 %
Annual Volatility: 0.51 %
Management fee: 1 %
Auditors: PricewaterhouseCoopers (PwC)
Transfer Agent: KoreTransfer

Financial Highlights

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Documents

Project Title	Document Title	Action
MarkitLend US Consumer Finance Fund (USCF)	Private Placement Agreement	Download
MarkitLend US Consumer Finance Fund (USCF)	Subscription Agreement	Download

Investment Location

Instructions

Instructions

Instructions

Perks

Some of the Perks

Perks

Frequently Asked Questions (FAQ)

What is the minimum investment?

Minimum investment is $1,000

Can non-accredited investors invest?

Yes, Reg CF allows both accredited and non-accredited investors to invest

Discussion

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Terms

INVESTMENT TERMS

VFS has launched our $1MM funding round, which is now live and open for investment. As part of the private launch we are offering discounted terms for the first $500K* collected ($50K already committed).

Some of the perks we are offering our early investors:

Discount Rate - 20% (normally 10%)
Valuation Cap - $5MM
Interest Rate - 10%
$1,000 minimum investment

Invest Now

$199,500 of $50,000

Invest Summary

Deal Type: Reg CF
Sponsor: MarkitLend Investment Advisors
Hold Period: 1 YR
Funding Goal:$50,000
Investment Type: Fixed Income
Min. Investment: $1,000
Fund Summary

Documents

Private Placement Agreement

Subscription Agreement

SEC Registration

Investor Perks

MarkitLend US Consumer Finance Fund (USCF)

Fernando Sanchez | CEO

Michael Sonenshine | CIO

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Documents

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