CLN on Consumer Debt Receivables

Alt Lending LLC is a private equity-backed Delaware specialist lender offering an education loan refinance program to U.S. borrowers. It helps distressed, delinquent and defaulted borrowers restructure their private student loans at low fixed interest, which encourages repayment. There is a $30 billion untapped private education loan market. Private student loans in the U.S. are heavily protected against default and bankruptcy. Alt Lending pairs this with receiving escrow payments and guarantors on the restructured loans to ensure maximum security and mitigate borrower default.

Alt Lending had historically relied on equity capital to fund portfolio acquisitions and growth, which created constraints around scale, capital efficiency and investor concentration. The business needed a structured debt solution that could support the acquisition and servicing of distressed, delinquent and defaulted U.S. private student loans, while leaving management free to focus on operations.

Structada structured and launched an institutional, asset-backed issuance through a Credit Linked Note, designed to syndicate capital across professional investors. We coordinated the counterparties and aligned the documentation and governance. The result was a largely hands-off funding framework that lets Alt Lending scale origination without ongoing capital-raising friction.