Our strategy and business model

Specialised debt restructurer

Hoist Finance is a specialist debt advisor and investor in non-performing loans. Our business model combines long-term value creation with responsible loan management, focusing on sustainable solutions for both investors and borrowers.

Our three-pillar business model

Hoist Finance’s business model can be divided into three pillars which, individually and collectively, drive long-term value creation: Investment management, Capital and funding, and Credit management.

Hoist Finance acquires non-performing loan portfolios from banks and financial institutions at a significant discount to the portfolios’ nominal value. Historically, the acquisition price has averaged around 8 per cent of the nominal value.

Our strength lies in valuing portfolios using extensive experience, historical data, statistical models and our own database containing more than 30 years of time series data. Acquisitions are made both independently and in collaboration with strategic partners.

Our funding strategy aims to ensure sustainable, cost-effective and well-diversified funding with a sound risk profile, which creates stability and enables long-term growth.
Funding is primarily sourced from the public via savings accounts, supplemented by capital market financing through regular bond issues. As a credit market company, we are subject to supervision by the Swedish Financial Supervisory Authority.

Our credit management is based on a flexible model in which debt collection operations are managed locally in each market through strategic units with a thorough understanding of regulations, languages and local practices. The work is carried out either in-house or via carefully selected external partners. Local teams engage with borrowers through respectful and clear communication in their own language and develop individual repayment solutions. The aim is to provide sustainable solutions that strengthen the borrower’s financial security.

Hoist Finance acquires non-performing loan portfolios from banks and financial institutions at a significant discount to the portfolios’ nominal value. Historically, the acquisition price has averaged around 8 per cent of the nominal value.

Our strength lies in valuing portfolios using extensive experience, historical data, statistical models and our own database containing more than 30 years of time series data. Acquisitions are made both independently and in collaboration with strategic partners.

Our funding strategy aims to ensure sustainable, cost-effective and well-diversified funding with a sound risk profile, which creates stability and enables long-term growth.
Funding is primarily sourced from the public via savings accounts, supplemented by capital market financing through regular bond issues. As a credit market company, we are subject to supervision by the Swedish Financial Supervisory Authority.

Our credit management is based on a flexible model in which debt collection operations are managed locally in each market through strategic units with a thorough understanding of regulations, languages and local practices. The work is carried out either in-house or via carefully selected external partners. Local teams engage with borrowers through respectful and clear communication in their own language and develop individual repayment solutions. The aim is to provide sustainable solutions that strengthen the borrower’s financial security.

Hoist Finance acquires non-performing loan portfolios from banks and financial institutions at a significant discount to the portfolios’ nominal value. Historically, the acquisition price has averaged around 8 per cent of the nominal value.

Our strength lies in valuing portfolios using extensive experience, historical data, statistical models and our own database containing more than 30 years of time series data. Acquisitions are made both independently and in collaboration with strategic partners.

Our funding strategy aims to ensure sustainable, cost-effective and well-diversified funding with a sound risk profile, which creates stability and enables long-term growth.
Funding is primarily sourced from the public via savings accounts, supplemented by capital market financing through regular bond issues. As a credit market company, we are subject to supervision by the Swedish Financial Supervisory Authority.

Our credit management is based on a flexible model in which debt collection operations are managed locally in each market through strategic units with a thorough understanding of regulations, languages and local practices. The work is carried out either in-house or via carefully selected external partners. Local teams engage with borrowers through respectful and clear communication in their own language and develop individual repayment solutions. The aim is to provide sustainable solutions that strengthen the borrower’s financial security.

A well-diversified investment portfolio

33.4 bn
total nominal portfolio value (SEK)
76,000
Average claim (SEK)
50,000
median loan amount (SEK)
14
European markets

Specialised debt restructurer

Hoist Finance is a specialist debt advisor and investor in non-performing loans. Our business model combines long-term value creation with responsible loan management, focusing on sustainable solutions for both investors and borrowers.

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Investing for long‑term value

We invest in non‑performing loans using rigorous analysis, local expertise and a long‑term perspective to create sustainable value.

Explore how we invest

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