Edge Pools
What keeps sub-$25M loans mispriced?
Inefficiencies in the current Financing system
Information asymmetry
Expensive manual processes
Lack of institutional interest
High-priced intermediaries
cSigma's infrastructure tackles this and connects onchain lenders directly to rigorously vetted, mid-market businesses that need working capital, inventory financing, or growth capital.
Institutional risk management across four dimensions.
All institutional borrowers must complete KYB and a credit assessment based on extensive benchmarks.
requirements
$20M+ raised in debt or equity
Asset coverage of at least 5x loan value
Strong creditor rights jurisdictions
All loan term agreements with cSigma's institutional borrowers include multiple layers of safeguards.
SAFEGUARDS
15-40% first-loss capital
Collateral: short-duration, self-liquidating assets
Additional security: credit insurance, equity stakes, and founder guarantees
cSigma's portfolio of borrowers implements a broad strategy to minimize overall credit portfolio risk.
DIVERSIFICATIONS
Geographic: US, EU, and Hong Kong
Industry: trade finance, revenue-based financing, AI software, and construction
Maturity: 1 to 6 months
cSigma's proprietary engine rates each borrower CCC to A based on a wide array of data points.
RATING FACTORS
Payment history
Financial performance
Loan book quality
The liquidity trade-off
Unlock higher risk-adjusted yields while accepting a measured trade-off in liquidity
