For originators
Debita funds originators through two models that share the same structure, the same collateral rules and the same monitoring, so you can start with one and add the other as your book grows.
SECURITIZATION
You assign performing loans from your book to the structure as collateral and receive capital at the agreed advance rate, while your clients keep repaying as usual.
Best for originators with a performing book that want to release capital and lend more.
LEND NOW, PAY LATER
It works like buy now, pay later seen from your side: you lend to your client today with capital from the structure, and that capital is repaid as your client repays you.
Best for originators whose growth is limited by funding and who want capital to follow their origination.
In both models, origination, credit policy and the relationship with your clients stay with you, and both can run within one program.
CREDIT WALLET
Disburse and collect these loans in digital dollars, inside your own app
Discover the Credit Wallet