Structured Finance · Securitisation
Oblyq structures and runs the operating layer that allows you to raise capital against the assets you own & originate, while providing counterparties with a transparent and auditable view of the deal lifecycle.
Illustrative capital structure: design tranches, waterfalls, and reporting in one place.
The Problem
Across Africa, credit does not recycle as it should. As governments borrow more, they crowd out private lending. Institutional capital sits in government bonds, lenders hit balance-sheet ceilings, and credit to the real and informal economy keeps thinning. Securitisation is the mechanism that reverses this: capital raised against the assets and recycled back into lending.
The mechanism exists. The infrastructure to run it does not:
Structuring a single securitisation still takes 6–12 months of manual coordination between originators, lawyers, SPV administrators, and investors.
Most platforms stop at deal closing. Ongoing servicing, covenant monitoring, waterfall execution, and investor reporting are left entirely offline.
Regulatory alignment, KYC/AML, and reporting are bolted on after the fact, thereby creating risk, delay, and opacity for every party in the chain.
Originators, trustees, rating agencies, servicers, and investors all operate in separate systems, fragmenting data, trust, and accountability.
Oblyq is the infrastructure to run it.
Platform
From book building to monthly waterfalls, every step of the deal runs on one system: deterministic, auditable, and coordinated across every counterparty.
Execute
Priority of payments encoded once, executed every period, replayable to the kobo. No spreadsheet drift between originator, trustee, and investor.
Coordinate
Every party; trustee, noteholders, servicer receives exactly what they need, the moment a run completes. No email threads, no version mismatches.
Comply
Compliance isn't a report you assemble after the fact. It's produced automatically, as the deal runs.
Full Lifecycle
Oblyq doesn't stop at deal creation. We manage the entire product lifecycle, so every counterparty stays aligned, every covenant is tracked, and every payment is accounted for.
Asset pool selection, eligibility criteria screening, and portfolio ingestion via upload or API.
SPV formation, tranche design, waterfall logic definition, and offer documentation generation.
Investor matching, subscription management, settlement, and closing, all tracked on-platform.
Collections monitoring, waterfall distribution, payment reconciliation, and investor reporting.
Performance tracking, covenant monitoring, material event triggers, and regulatory compliance alerts.
In Practice
See how Oblyq's infrastructure powers specific use cases across the structured credit spectrum.
A tier-1 bank packages ₦15B in non-performing consumer loans into a multi-tranche asset-backed note. Oblyq handles pool stratification, SPV creation, tranche waterfall logic, investor onboarding, and ongoing performance reporting.
A digital lender securitizes a revolving pool of ₦3B in invoice receivables. Oblyq enables continuous pool replenishment, dynamic tranche resizing, and automated investor distributions as new receivables flow in.
A property company structures ₦8B in rental cash flows from a commercial portfolio into tradeable pass-through certificates. Oblyq handles SPV setup, regulatory documentation, and ongoing rent collection monitoring.
Ecosystem
Transform NPLs and performing loans into investable products. Meet regulatory requirements and unlock balance sheet liquidity.
Access modern securitisation tools, scale lending operations, and connect to institutional capital with transparency.
Monetise recurring cash flows, from leases to receivables, by structuring them into marketable investment products.
Discover, evaluate, and invest in structured credit opportunities with full transparency and robust analytics.
FAQ