FortuneoPlatform
Real assets, underwritten.
A real asset credit, specialty finance and insurance platform: seven business lines with one standard of underwriting, headquartered in Dallas, Texas.
§ 01What Fortuneo is
One platform, three segments.
Real estate credit
Fortuneo Stata and Fortuneo Copia: secured lending, portfolio credit, banking solutions and short-term asset-backed credit for real estate.
Insurance
Fortuneo Redux (reinsurance, Bermuda, planned) and Fortuneo Manens (life and annuity, Texas, planned).
Specialty finance
Fortuneo Rota (equipment leasing and finance), Fortuneo Prora (maritime finance) and Fortuneo Annona (trade finance).
Entity
Fortuneo LLC, a Delaware limited liability company, with Fortuneo Redux Reinsurance, Ltd. and Fortuneo Manens Life & Annuity Company as the planned insurance entities.
Headquarters
1910 Pacific Avenue, Suite 2000, Dallas, TX 75201
Brand
One master brand. Each business line is “Fortuneo” followed by its name, with no separate logos, palettes or taglines.
§ 02How we underwrite
Five principles, in writing.
Applied the same way by every line, and written into each line’s credit policy.
Collateral first
Every credit begins with the asset: what it is, what it is worth today, what it is worth in a bad year, and how we would realize it. The borrower’s story matters; the collateral decides.
Structure to the deal
We shape terms to the transaction and the client rather than lifting them from a template. Tenor, amortization, covenants, reserves and draws follow the asset’s cash flows.
Speed with discipline
A clear written process is what makes fast decisions possible. Indication, term sheet, diligence and approval each have an owner and a clock.
Long capital, long assets
Insurance capital is invested for duration and matched to the liabilities it backs. Short-tenor lending is funded short; long-dated assets sit where long-dated promises are.
Straight answers
We say early whether there is a fit. Borrowers know what we reviewed, what affected the decision, and what their options are. No surprises at closing.
§ 03Governance
Rules before volume.
Fortuneo is not a volume-first lender. Growth follows the standard, not the other way around.
One credit committee standard
Each line has its own credit policy and approval limits under one platform standard.
Compliance first
Each line will be licensed and regulated where its business requires it before it offers anything. Fair lending, anti-money-laundering and sanctions screening are the binding controls.
Related-party terms
Where one Fortuneo company deals with another, for example reinsurance between Fortuneo Manens and Fortuneo Redux, terms are arm’s length and approved by people with no interest in the deal.
Nothing before it is licensed
No product is offered on this site until the line is licensed to offer it. Insurance products will be offered only once the insurer is approved.
§ 04Where things stand
Fortuneo is a new platform. Its business lines are in formation, its insurers are not yet licensed, and no fund, security, policy or reinsurance is offered on this website. We describe what we are building, and we describe it as building.
The lines
Seven names. One underwriter.
Open the register and see what each line does, who it serves and where it stands.
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Business lines