Release Capital

No need to tie up a sizable amount in minimum AUM allowing Borrowers to reinvest in their businesses to generate higher returns


Salient terms are negotiated upfront, minimizing misunderstandings and reducing lengthy negotiations resulting in lower legal fees

Cash Collateral Not Utilised By Lender/lessor

Cash collateral is held separately where interest earned is for Borrower. Cash collateral is not used by Lendicate or Funders for their own profit


No Libor, no swaps, no swap breakage costs and no hidden fees. Will be more apparent in a no-Libor market


Matching Funders with corresponding risk appetites and/or understanding of the market where the Borrower is in


Determined by market driven Funders, based on transaction structure, credit and other risk considerations. Not affected by unique considerations affecting a financier

Fair Terms

Lendicate is a neutral party. Transaction terms aim to be fair to all parties

On-Demand and Secured Access to Information

Secure online access to information. Access all legal documents, invoices, bank statements anytime anywhere

Subject to the mutual agreement of both the Borrower and the Funder(s), a portion of the cash collateral may also be invested in tradeable liquid and/or capital protected investments, allowing the Borrower to earn higher returns than fixed deposits

Frequently asked questions

The lease/loan payments are made by the Borrower to a neutral third party payment agent jointly appointed by the Borrower and the Funder(s) to provide security and comfort to all contracting parties in the transaction, mitigating risks against the non-performance of fund flow obligations. The payment agent’s role and scope of responsibilities are set out in the lease/loan agreement.

Timing for the approval process should be similar with traditional financiers as Lendicate will collate information from the Borrower, conduct KYC, due diligence and other analysis to prepare the information package (credit application) submitted to the Funder(s) for their approval. This process is no different from a traditional financier’s process of obtaining approval from their credit/investment committee. 

Registered Borrower and Funder users can access their transaction information anytime via the link sent or through the Lendicate website to access all the transaction information (historical and updated) comprising transaction documents, invoices, bank or securities statements, Borrower annual reviews (for Funders), inspection reports etc. Registered users will be automatically sent notifications via email for any new information uploaded into the portal. To ensure confidentiality, there is a user email address and date watermark on documents printed or downloaded by the user. 

The term sheets are lengthy, which may seem daunting, as salient clauses including the full security package, covenants and undertakings, termination/default events, mandatory repurchase/repayments, representations and warranties, conditions precedent and subsequent are covered in the term sheet. We believe that since these clauses are in the transaction documentation, it is better to set these clauses out sooner rather than later to minimize any misunderstanding and lengthy negotiations. 

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