Who We Serve

Connecting Capital Markets.

Designed to connect credit and secure trust across the ecosystem. Built for Capital Providers, Originators and Institutions.

Institutional-grade controls, assurance, and operational resilience for complex credit facilities and securitized structures.

Trusted operating and control partner to banks, capital providers, and originators, bridging data, cash, and governance to ensure deals perform as designed.

Capital Markets Infrastructure

Carmel partners with global asset managers, bulge-bracket investment banks, fintech platforms, and private credit funds to support complex warehouse facilities, securitizations, and structured credit transactions—including many first-of-their-kind financings—across a broad range of asset classes.

Representative Asset Classes

Fintech

  • Buy Now, Pay Later (BNPL)
  • Earned Wage Access (EWA)
  • Spend management
  • Neobanks
  • Card programs
  • Revenue-based financing (RBF)

Consumer

  • Student loans
  • Solar finance
  • Healthcare finance
  • Home improvement
  • Leasing
  • Debt settlement
  • Real estate finance
  • Non-performing loans (NPL)

Commercial

  • Merchant cash advance (MCA)
  • SMB lending
  • Factoring
  • Fleet & fuel finance
  • Litigation finance
  • Construction finance
  • Music royalty finance
  • Creator revenue share
  • Subscription-line facilities