Building Bridges
We’re changing the way of providing loan & financial services for an efficient and sound financial system.
Our Company
AxFina (Ax Financial Holding SA.) is a Pan-European Financial Services Group with the mission of “Building Bridges in the World“ and is working with other financial service providers to support an efficient and sound financial services system that is dedicated to creating and providing convenient and efficient loan servicing and financial services platform capacities (to include the excluded & underbanked).
Our History
Our Culture
AxFina is dedicated to “Building Bridges in the World”. Our culture plays an important role in the company’s approach towards our operations, recruitment, staff assessment and remuneration and is described in our four pillars below:
Pillar 1
Know Your Priorities
We understand that our customers and partners are our number one priority.
Pillar 2
Show Your Spirit
We are proud and privileged to have a “true” European team spirit.
Pillar 3
Embrace Change
We realize that change and innovation are the only constants in business.
Pillar 4
Never Give Up
We remain optimistic, honest, and never give up in the face of a challenge.
Our Management
Our Family
Our Responsibility
No matter the size of your business, credit has grown to play a key role in society. It enables people and organizations with capacity for development over time to gain access to larger sums more quickly than by simply earning those funds. In many cases, this enables individuals, companies and authorities to make investments that would not otherwise have been possible and thus to achieve greater development and thus greater capacity to generate earnings.
Description
Strategic rationale
AxFina is uniquely positioned to cover the full range of servicing activities for performing and non-performing loan and leasing portfolios, including:
- Development and Execution of tailored work-out strategies for single assets and portfolios
- Stringent monitoring and real-time reporting
- Work-out strategies and management
- Cash management
- Coordination of external collection agencies
- Asset disposal and management
- (NPL) Servicing is a non-core activity for financial institutions, while it is core for AxFina
- AxFina delivers higher returns and helps save costs in expensive work-out departments
- Extensive expertise in SME and corporate/SME secured work-out
Description
Strategic rationale
Support in acquisitions of loan / leasing and Real Estate portfolios to identify potential risk factors that affect loan collection and competitive pricing:
- Portfolio analysis and valuation
- Due Diligence (financial, legal)
- Underwriting of loans and business planning
- Deal structuring / arranging (including Securitization) and execution
- Support in portfolio sales processes
- Refinancing support for borrowers
- Complementary advisory services across the deal cycle
- Mitigate risks for loan collection
- Economies of scale on financial and legal advisor fees
- Ongoing client support as a “one stop shop”
Description
Strategic rationale
In-house RE services as a strong complimentary arm to provide in-house expertise for acquisitions and maximize recoveries from repossessed assets, including:
- RE work-out and disposals (with strong links to local brokers)
- RE development and commercialization
- RE asset management (with network of local facility managers)
- RE advisory and appraisals
- Leverage knowledge on steady-flow incoming RE asset
- Maximize proceeds from work-out
- Improve pricing and due diligence
- Value creation versus asset liquidation
Description
Strategic rationale
Trusted partner for banks to outsource cost-intensive services, powered by strong data analytics:
- KYC/AML processes, credit / country risk analysis, etc.
- Loan origination and underwriting support for banks
- Direct lending hub
- Banks are looking to decrease costs and refocus on core activities
- Leverage large base of debtors for ancillary products
Description
Strategic rationale
Leveraging data gathered from servicing the large borrower base to increase efficiency in work-out, but also to create additional value for other products, including:
- Portfolio monitoring and analytics
- State-of-the-art reporting for internal and external purposes (third-party interface)
- Data quality management
- Market information and transaction insights
- Positive impact on recovery curves
- Continuous monitoring of data quality
- Leverage of dataset for other related activities (e.g., pricing, rating, curves, etc.)
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