Integrity Capital
Superior Risk-Adjusted Returns
Harnessing asset-backed, secured lending
Private Investing through Marketplace Lending platforms
Marketplace Lending is currently a USD64 billion* industry globally and rising. Marketplace investing has evolved as a new asset class in the asset management industry driven by the growth and efficiency of Fintech. Integrity Capital plc places its shareholder investments in this new asset class.
Investment Philosophy
Our investment philosophy emphasises risk diversification through assets available via Marketplace Lending platforms.
With a long-term focus, our strategy is to capitalise on a constant stream of dividend payments by placing more emphasis on low-risk asset-backed securities, but still maintaining a small exposure to higher return assets for upside exposure.
Portfolio Algorithms
Integrity Capital plc aims to diversify its portfolio using carefully vetted Marketplace Lending sites. Our assets include: secured SME loans, asset-backed real estate and insured invoice finance. We have developed a strategic and agile portfolio allocation model to help us identify and deploy a balanced allocation in the various loan types to achieve the optimal risk-adjusted returns.
Management
Jeremy N White Director
Jeremy White has over 30 years' experience in technology, and venture capital in Europe and the USA and is an Hon. Visiting Professor at Bayes (Cass) Business School. He has been involved in over 50 acquisitions and raised more than £100m in development capital for his companies. In 1995 he founded Nettec plc one of the first e-commerce companies in the UK and took the company public on the London Stock Exchange with a market cap of £250m in 2000. White served on the boards of a number of quoted and private companies, was Deputy Chairman of the Prince's Business Trust and currently serves on the board of Pepperdine University in California and Cass Business School. He holds an MBA in International Finance from Cass Business School London, an MA from Pepperdine University and a UK Investment Management Certificate.
Brian Azzopardi Director
Brian Azzopardi has operated as CFO at the board and executive committee level in complex natural resource businesses and has a strong record in strategy, M&A, fundraising, and treasury management. He is highly experienced in developing world-class finance structures and systems. Brian, as Group Finance Executive at Glencore, was involved in the integration of Xstrata following the $46bn acquisition. Prior to that, he worked for 15 years at Xstrata where he acted as CFO for the IPO in 2002. He trained at PwC and is an FCCA. Brian is married with two children and is a passionate sailor.
Andrew Cumming Director
Andrew Cumming has 40 years experience in banking and risk management. The last 17 years of his career were spent with Lloyds Banking Group in a variety of senior positions including 7 years as Chief Credit Officer for the Commercial Banking Division and membership of Group Risk and Commercial Banking Executive Committees. In his last role prior to retirement he was Managing Director of the Global Non-Core Division which successfully managed a £200 bn portfolio of distressed/ noncore assets which arose following the Lloyds Bank acquisition of Halifax Bank of Scotland. Andrew currently acts as a non-executive director of Lloyds Development Capital, the private equity arm of Lloyds Banking Group; Seadrill Partners LLC, a limited liability company quoted on the New York Stock Exchange, focusing on the acquisition, ownership, and operation of offshore drilling rigs; and Bluestone Holdings, a multinational financial services business specialising in consumer loan origination, loan purchase and debt servicing.