Question 1

Can you size and negotiate the next debt facility before the current one runs out?

Accepted Answer

Yes. Alehar maps the funding a lender can use at its stage, from bank lines and debentures to co-lending and securitization, prices each for interest, fees, the first losses to be guaranteed and the capital to be held, and sizes the next facility against the growth plan. It runs the borrowing base, the covenants and the lender reports behind each facility, and negotiates the next one under its Raising Equity or Debt service.

Question 2

Our investors want us to raise equity again. Can you show whether the book can carry more debt instead?

Accepted Answer

Yes. Alehar forecasts the book month by month with the facilities drawn and repaid, the equity the lenders require against it and the losses the equity has to absorb, and shows how much further the book can grow on debt before more equity is needed. The founders and the board see the two paths on one forecast, and Alehar supports whichever raise follows under its Raising Equity or Debt service.

Question 3

Can you show what each loan product really earns after funding costs and losses?

Accepted Answer

Yes. Alehar reports the yield, the loss rate and the margin of each product by month of lending, after the cost of funds, expected losses, collection costs and the cost of winning the borrower. Founders see which products, channels and borrower segments make money and which only grow the book, and the same cohort data feeds the provisions and the investor pack.

Question 4

Can you see credit quality turning before it hits the profit?

Accepted Answer

Yes. Alehar watches each month's lending by product from the first missed payments, not from the write-offs, so a weak batch of loans shows up months before it turns into bad debt. The report shows early arrears, how much of them turns into losses and the provisions each product will need, by product, channel and borrower type, so the founders can slow a weak segment while the losses are still small.

Question 5

A bank wants to partner with us to lend to its customers. Can you assess the deal?

Accepted Answer

Yes. Alehar models the partnership on its terms: who funds the loans, who takes the first loss, the fee or margin split, the servicing the bank expects and the exclusivity, against what the same capital and team would earn lending on your own book. Founders see what the deal does to margin and risk and where the terms need to change, and Alehar supports the negotiation.

Question 6

Our borrowings are shorter than our loans. Can you manage the mismatch and the rate risk?

Accepted Answer

Yes. Alehar lines up when the borrowings fall due against when the loans repay, which shows the months when the book has to be refinanced to stay funded, and what a change in funding costs does to the margin product by product. Founders see which products to re-price, how fast, and how much of the funding to fix or lengthen, before the lenders raise it.

Question 7

Can you build the path to profitability our investors are asking for?

Accepted Answer

Yes. Alehar builds it from the cohort data: the cost to acquire, the revenue earned, the losses taken and the months to pay back, tied to the accounts. It shows the book size, loss rate and cost base at which the business earns a return on its assets and its equity, and the quarters in between. Alehar prepares the investor pack and carries the round under its Raising Equity or Debt service.

Question 8

Would an outsourced or virtual CFO work for a fintech that is still raising debt and equity?

Accepted Answer

Yes, for most lenders, microfinance businesses, payments companies and fintech platforms between the first facility and a full-time CFO hire. An Alehar partner, supported by a team, reviews the margin, credit quality, the facilities, cash and the pipeline with the founders each month and brings extra capacity when you raise debt or equity or negotiate a bank partnership. Founders get the cover they would expect from an interim CFO, a fractional FD or a virtual CFO. The bookkeeping stays with your accountant, and Alehar adds the lender and investor reporting on top.

Fractional CFO for Fintech and Lending Businesses

What fintech founders tell us

Why fintech and lending businesses work with Alehar

A partner who is accountable

A complete team, not a single hire

Month to month, without lock-in

The same partner for the raise or the sale

Start maximizing the potential of your company now.

We get you a true financial picture of your company

We help you save costs and improve cashflow

We develop effective plans to help you grow revenue

We help you identify and decide between growth initiatives

We get you ready for an investment or a sale

The same work, already done.

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