Global Private Credit

Investment Highlights

Collateral & Guarantee

Fully backed by underlying assets
Subordination Clause
Principal and interest guarantee
Short-Term Lending

Maturity ranging from 1-36 months
Average duration less than 6 months
Diversified assets with small loan size
Multiple Tailwind

Economic Growth
Demographic Growth
Technology Advancement
Favorable Policy
Loan Risk Control

Full Transparency of Underlying Assets
Rigorous due diligence
Ongoing compliance check
Post-disbursement monitoring

Four Lines of Tailwind

Economic Growth

As the seventh largest economy in the world, ASEAN's economy is growing rapidly, with a GDP growth rate of 5-6%.

Demographic Growth

With 650 million people, the Association of Southeast Asian Nations (ASEAN) has the 3rd largest population in the world and a GDP of $2.8 trillion.

Favorable Policy

Invests in Southeast Asia beneficial from the Belt and Road policy.

Technology Advancement

Underdeveloped financial markets and limited penetration by traditional banks, combined with high and growing internet coverage, create opportunities for consumer finance.

1
Assets Collateral

The Local Lending Platform uses the underlying assets package as collateral to the loan. Investors have the senior priority interest in the collateral.
2
Principal & Interest Guarantee

The Local Lending Platform provides principal and interest guarantee. In the event of a default by the borrower, the guarantor shall perform the guarantee obligation to repurchase bad debts.
3
Subordination Clause

The Local Lending Platform holds 10% equity junior tranche. Any cash flow from the underlying goes first into the 90% senior tranche held by the Fund.
4
Compliance & Regulation

Each Local Lending Platform is regulated by the local financial institutions and must have credible lending licenses in each country they operate, such as Indonesia and India.

Global Credit Loan debtors come from the middle-income class from Southeast Asia, with stable income and strong consumption demand.

Target Base: 25-35 years old

Have strong demand for priced new consumer products such as electronic products

Lack of credit cards or other borrowing channels
Monthly Income: US $200-$600

Stable Income

Reliable Source of Repayment
Highly Educated

Over 70% of the customers possess a bachelor's degree or higher

have good legal awareness and repayment capability

Full Transparency

The underlying assets are the small installment loans of individuals who have stable income in Southeast Asia. The loans are used for 3C products, medical care, and education, etc.

81% of consumer installment loans are used to purchase smartphones
with the remaining to buy other electronic products.

Example for Smartphone Installation Loan

Rigorous Due Diligence

Online information collection and offline verification by phone

Complete KYC process including on-site investigation

Profile and investigate borrower by analyzing the social networks via big data modeling

Based on their consumption behavior and income source, intelligently analyze the repayment capability

Advanced risk control technology
multi-dimensional investigation and multi-level review

Post-disbursement Monitoring

Haitou has real-time access to the Local Lending Platform’s loan administration process through API, including loan performance data such as disbursement, interest payments and principal repayment

Data Example

Service Hotline

Beijing:+86 400-867-7848（Workday 09:00~17:00 UTC+8）
NY: +1-888-424-8688（Workday 09:00~17:00 EST）
Email：info@haitouglobal.com

Company Address

Beijing: China Central Place, Tower 2, Suite 1503, Beijing, China, 100025
NY:747 3rd Ave, Suite 26A, New York, NY 10017

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Investment Highlights

Collateral & Guarantee

Short-Term Lending

Multiple Tailwind

Loan Risk Control

Four Lines of Tailwind

Economic Growth

Demographic Growth

Favorable Policy

Technology Advancement

Capital Preservation

Assets Collateral

Principal & Interest Guarantee

Subordination Clause

Compliance & Regulation

Small Principal Amount