The offering of 20 % average annualized yield, short-term loan terms, and high liquidity is bold. How did you arrive at this model, and how does it reflect your philosophy about wealth growth and risk?

The model evolved organically, grounded in both personal trust and proven market practices. It began with friends and family who believed in the vision early on and were willing to participate in a structure built on transparency and disciplined returns. At the same time, we closely studied a few established institutions that were already offering similar products. Rather than reinventing the wheel, we used those models as a foundation and refined them to align with our own risk philosophy and long-term goals.

Over the past nine years, we have stayed remarkably consistent because the model has demonstrated resilience across different market cycles. The combination of an average 20% annualized yield, short-term loan durations, and high liquidity reflects our belief that wealth growth should be intentional, measured, and well-managed not speculative. Shorter terms allow for constant reassessment of risk, while liquidity provides flexibility and protection for investors. Ultimately, this approach mirrors our core philosophy: sustainable returns are achieved through disciplined execution, prudent risk management, and staying committed to what has consistently worked over time.

Private credit can carry reputational and operational complexity. How do you ensure you deliver low to moderate risk and high liquidity while still achieving strong yields?

Private credit requires a disciplined balance between opportunity and responsibility, especially when reputational trust and operational precision are involved. At Avanza, we manage this balance through a rigorous and conservative underwriting process that looks far beyond basic financials. Each opportunity is evaluated using multiple data points, including borrower performance, industry conditions, cash flow patterns, and external variables such as weather disruptions, regulatory changes, and broader geopolitical events.

We operate with the understanding that almost anything can impact performance, so risk mitigation is built into every stage of the decision-making process. Short-term structures allow us to reassess exposure frequently, while diversification across borrowers and sectors helps protect liquidity. This methodical approach enables us to maintain low to moderate risk profiles while still delivering strong, consistent yields reflecting our belief that disciplined analysis and adaptability are the foundations of sustainable private credit performance.

You emphasize that capital allocations are secured by portfolios of receivables and promissory notes. How do you balance security, accessibility and returns in your investor-structure design?

Our investor-structure design is built around creating confidence through protection, while still preserving flexibility and performance. Security begins with a layered diligence process designed to identify and eliminate risk early. We use multiple verification tools to detect altered statements, inconsistencies, and potential fraud, ensuring only high-quality files move forward. Background checks and credit reviews serve as a final safeguard before approving a merchant for a merchant cash advance, reinforcing the integrity of the receivables and promissory notes that secure each allocation.

Accessibility and returns are balanced through structure. Most of our deployments are short-term, typically under six months, allowing capital to cycle quickly and exposure to remain limited. This shorter duration enhances liquidity, which in turn supports timely lender payments and predictable yields. By combining rigorous screening with short-term execution, we are able to deliver a structure that aligns security, accessibility, and strong, dependable returns.

For an accredited partner looking for alternative lending opportunities, what do you believe sets Avanza apart from other options in the market?

For accredited partners exploring alternative lending opportunities, Avanza stands apart through a culture rooted in integrity, transparency, and exceptional service. While many firms in the space focus almost exclusively on yield, we believe long-term success is built on trust and relationships. Coming from a Wall Street background, I brought a client-first service model into the MCA space one that emphasizes clear communication, responsiveness, and accountability at every stage of the process.

This approach has resonated strongly with both merchants and capital partners. In an industry where customer service is often overlooked, we treat it as a strategic advantage rather than an afterthought. Partners know where their capital is deployed, how it is performing, and who to speak with when questions arise. That consistency and professionalism have driven strong, repeat relationships and positive market response. Ultimately, Avanza differentiates itself by pairing disciplined alternative lending strategies with a level of service more commonly associated with institutional finance.

You’ve provided monthly payouts, diversified pools, and global reach. Can you share a story of how one investor’s experience captured what your firm stands for?

Rather than one single standout story, what truly captures what our firm stands for is the consistency of impact we’ve had across many investors’ lives. Over time, we’ve worked with numerous lenders who rely on our monthly payouts, diversified pools, and global reach as a dependable source of income. For many, those returns are not abstract numbers they translate into real-life outcomes. We’ve seen investors use their profits to cover a child’s education, manage unexpected medical expenses, or simply create greater financial stability for their families.

These experiences reflect our core purpose: providing reliable, well-structured alternative lending opportunities that investors can trust. By focusing on liquidity, diversification, and disciplined execution, we aim to deliver returns that support meaningful, everyday financial goals, not just portfolio performance on paper.

How do you build and sustain the culture, processes and expertise within your team to maintain strong performance in a niche but competitive space?

Building and sustaining strong performance in a niche, competitive space starts with being intentional about people and processes. At Avanza, we have focused on hiring key team members who bring deep industry relationships and expertise, particularly those who can source higher-quality deal flow from the brokerage firms we service. Having access to a broader and more consistent pipeline allows us to be more selective and cautious in the types of businesses we fund, which directly supports performance and risk management.

At the same time, we’ve invested in dedicated customer service representatives to support our broker partners and internal teams. This ensures faster communication, clearer expectations, and smoother execution across the entire lifecycle of a deal. Together, these steps have helped reinforce a culture of accountability, service, and disciplined decision-making one that continues to strengthen our results in a highly competitive alternative lending environment.

Accredited investors often value transparency and trust. How do you approach communication, reporting and relationship-building to meet those expectations?

Transparency and trust are foundational to how we work with accredited investors. From the start, my priority has been ensuring that our lenders feel informed, confident, and secure—so much so that they can truly sleep well at night. To achieve this, I maintain consistent, proactive communication, connecting with investors at least two to three times each month with clear updates on performance, allocations, and outlook.

We’ve also invested heavily in technology to enhance visibility. Investors are able to see where they stand, how capital is deployed, and what amounts are outstanding in real time. Building on this, we are launching a custom-built CRM designed specifically for our lenders, alongside a re-launched app that will run in parallel. Together, these tools reinforce our commitment to openness, clarity, and long-term relationship building.

Looking ahead, how do you see the private credit and alternative lending space evolving — and how is Avanza positioning itself to grow and adapt?

Looking ahead, I believe the private credit and alternative lending space will continue to expand as traditional banks become more restrictive in their approach to small business lending. Regulatory pressures and tighter underwriting standards are leaving many viable entrepreneurs without access to the capital they need to operate and grow. This creates a widening gap that alternative lenders are uniquely positioned to fill.