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European companies have received a new tool for raising capital through securitization. We examine how it works and what opportunities it opens for entrepreneurs today.
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What happened
Financial Times reported plans to deepen capital markets in Europe through the development of securitization. This refers to a mechanism in which companies combine various assets — loans, leasing contracts, even future payment flows — into a single pool and issue securities based on it. Investors buy these securities, receiving income from the underlying assets, while companies receive liquidity directly from the market, bypassing traditional banking channels.
The European Union views securitization as a key element of its economic growth strategy. The continent has historically depended heavily on bank lending, which limited opportunities for rapid business scaling. The new approach changes the rules of the game for mid-sized companies that previously had no access to capital markets.
How this is useful for business
Securitization solves several critical tasks for entrepreneurs at once. First, it opens an alternative financing channel that does not depend on bank rates and credit limits. Second, the cost of raised capital may be significantly lower than traditional loans, especially for companies with predictable cash flows.
For business, this means the ability to finance production expansion, entry into new markets, and technology implementation without diluting founders’ shares. In addition, securitization makes it possible to release capital frozen on the balance sheet by turning it into liquid funds for new projects.
How to make money from this
The securitization mechanism creates several monetization points for market participants. Asset originator companies gain access to cheap financing and can reinvest the difference between the cost of raising funds and the yield of assets. Investors earn on the interest margin between the yield of securities and the risk-free rate.
Intermediaries — management companies, servicing agents, rating agencies — receive fees for servicing transactions. Especially interesting is the role of technology platforms that automate asset structuring and monitoring processes, lowering entry barriers for smaller players.
Business ideas
1. A platform for aggregating small business loan portfolios with subsequent securitization issuance. Monetization through a structuring and servicing fee — 0.5-2% of the transaction volume annually.
2. A service for factoring future contracts and preparing them for securitization. Revenue is formed from risk assessment fees ($5,000-15,000 per transaction) and a percentage of the financing raised.
3. A consulting company for preparing SMEs to enter the securitization market. The service package includes asset audit, legal structuring, documentation preparation — from $25,000 per project.
4. An investment platform specializing in junior tranches of securitization bonds with higher yields. Earnings on the spread between asset yields and payments to investors — 3-8% per year.
5. A technology tool for real-time monitoring of asset quality in the pool. Subscription model — $2,000-8,000 monthly for each major client.
Risks and limitations
The main risk is related to the quality of the underlying assets. If the pool contains problematic loans, this affects the entire securities structure. Investors require thorough due diligence, which increases transaction costs and slows down the process.
Regulatory requirements differ across EU jurisdictions, creating additional barriers for cross-border transactions. In addition, the securitization market is sensitive to economic cycles — during a recession, investors massively avoid risky assets, making it difficult to place new issues.
7-day action plan
Day 1-2: Study the regulatory framework for securitization in the target EU jurisdiction, identify the most liquid market segments.
Day 3: Analyze your own business for assets suitable for structuring — accounts receivable, leasing contracts, recurring payments.
Day 4: Hold meetings with lawyers and financial consultants specializing in structured finance.
Day 5: Collect data on similar transactions in the region, assess market volume and potential investors.
Day 6: Form a preliminary transaction structure, calculate the economics, and assess the cost of raising capital.
Day 7: Draw up a plan of next steps with specific deadlines, determine the need for additional competencies or partners.
Original news: Financial Times Companies · See other news in the news section.
