Pollen Street Capital believes that the structural changes present in the UK lending market, in which mainstream lenders are increasingly focussing on commodity markets where they can easily achieve scale with generic processes, offers a range of investment opportunities for specialist operators to deliver attractive and sustainable risk-adjusted yields throughout the cycle.

Our Approach

Pollen Street has considerable knowledge and experience of owning and building specialist lending platforms, across a broad range of asset classes and geographies. We employ a targeted and analytical investment approach, combined with high-quality underwriting of borrowers, to capitalise on the opportunities present in verticals which are underserved by mainstream lenders and that require a specialist understanding, more detailed underwriting, or where the vertical pre-selects higher quality borrowers.

Our Experience

Pollen Street is a pioneer, creating lending opportunities derived from ongoing disintermediation of banks.  It has the capability to fund in all major currencies and has originated and built several lending platforms with multiple billions of origination since 2008.  We have achieved multiple firsts in the industry:

  • First to execute long-term whole loan purchase agreements with leading lending platforms
  • First manager to launch an institutional, listed fund in the UK dedicated to marketplace lending focused strategies
  • First to create leverage in the asset class and first to close a securitisation of marketplace originated consumer loans in the United States
  • First to complete an AA rated securitisation of marketplace originated consumer loans in Europe

Pollen Street manage two credit funds: P2P Global Investments plc (“P2P”) and Honeycomb Investment Trust plc (“HIT”).  P2P completed its initial IPO onto the LSE main market in June 2014, with the Company entering the FTSE 250 in September 2015.  Additional information on the fund can be found at  HIT completed its initial IPO onto the LSE main market in December 2015, additional information can be found at: