Magistral Consulting

  Retail Lending Solutions: A Deep Dive into Market Dynamics         Fintech has added a complicated twist to the whole dynamics of retail lending solutions. The ever-mounting customer expectations, together with adverse regulatory policies, are bringing about a scale of customer service-oriented changes. Advances in increasingly recognizing the need to focus on customer satisfaction and satisfaction; with the whole area of banking and other money lending institutions’ doing away with the old lending formula. Understanding Retail Lending in the Current Banking Scenario Retail lending is concerned with the lending of loans to individuals for household purposes which could include home loans, car loans, personal loans, and credit cards. Until the evolution of the era of fintech, banking institutions and branches were the main sources of lending services. During the last decade, quite several factors have played a pretty good role in informing the retail lending la...

  Fundraising for PE and VC: A Strategic Playbook for Success     Fundraising is a significant component of private equity (PE) and venture capital (VC) firms, which actually goes into investing in promising start-ups, scale-ups, or established businesses. The process is the most competitive, in that it requires a combination of strategic foresight, strong relationships with investors as well as great execution. This article will discuss issues related to capital raising for PE and VC firms, important steps, market dynamics, and trends. The Fundraising Process: A Step-by-Step Approach The art of fundraising is mastered by taking a structured and strategic approach wherein every step is designed to attract the right investors, align goals, and secure commitments in an effective manner. The Fundraising Process: A Step-by-Step Approach Defining the Fund’s Investment Thesis Any successful fundraising effort is backed by a clear and concise compelling investment thesis. The PE...

  Commercial Lending Outsourcing: A Strategic Solution for Financial Institutions       The evolution of technology is changing the way commercial loans are made. This, in turn, raises the expectations on the part of financial institutions to ensure the rational, expandable, and legally compliant implementation of lending activity. More and more, banks, credit unions, and other financial institutions are turning towards commercial lending outsourcing as a means of improving their lending operations, cutting down expenses, and simplifying processes. The Need for Commercial Lending Outsourcing Commercial lending is intricate and involves a lot of resources and effort such as in-depth underwriting, evaluation of  risks , understanding and abiding by the regulations in place, and finally, managing the client. Due to the increasing regulatory demands competition, and fluctuating interest rates, many institutions come to realize that keeping the services within the in...

  The Role of an Investors Database in Modern Capital Raising In the modern environment where many investors are looking to make their different portfolios competitive, new databases have changed the way in which private equity (PE) and venture capital (and even asset management) firms fundraise. Rather than simply a means of collecting contact information, they have evolved in scope and function, offering targeted fundraising, deal-making, and investor relations capabilities. With the increase in competition, the expansion of capital markets, and because of big data, database is invaluable as an assistance to raising capital. The Structure and Utility of an Investors Database The database of investors is a tactical tool which provides information on the particulars of the investors, their likes and dislikes, enabling the fund managers to tailor their marketing and reach out initiative and create the best investment prospects. The Structure and Utility of an Investors Database Inve...