Financial Services
Financial services & fintech
Financial businesses can offer growth but also carry licensing, conduct, funding and prudential risks.
Our role in the sector
Banking penetration across the region leaves room for non-bank lenders, payments platforms and specialty finance to serve demand the banks do not reach.
We advise and invest in financial-services platforms, structuring the equity and funding lines that scalable lending and payments businesses require.
We may consider an investment only after the project and risks have been independently assessed.
Technical development, construction and operation remain with the responsible parties.
Where another group company is the operating specialist, ERAM Invest’s role remains limited to investment, financing, capital structuring, advisory and transaction support — operational execution stays with the relevant specialist.
Where we focus
We look at regulated institutions, payments, fintech and financial infrastructure, subject to legal and investment review.
- Non-Bank Lending
- Private credit and specialty-finance platforms.
- Payments & Fintech
- Digital payments, lending and embedded-finance platforms.
- Insurance
- Insurance and insurtech opportunities.
- Capital Markets
- Platforms supporting regional capital-markets development.
The full capital stack
- Senior Debt
- Banks, DFIs and IFIs — term, project and capex facilities.
- Private Credit
- Direct lending and structured credit where banks step back.
- Mezzanine
- Subordinated and quasi-equity bridging the funding gap.
- Equity
- Institutional, strategic and co-investment equity via SPVs.
