Financing Our Card Receivables

Share in the return on our credit card receivables.

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Financing Our Card Receivables

Provide financing to RAI and earn competitive returns on your investment. Instead of traditional low-yield investments, you lend capital to help us acquire credit card receivables. You receive steady monthly payments with attractive returns, while we assume operational and credit risks.

How We Make It Happen

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Superior Investment Returns

We typically offer higher interest rates than certificates of deposit, treasury securities, or other low-risk investments commonly used by credit unions. You're lending to an understandable business model rather than complex financial instruments.

Risk Transfer

If cardholders default on payments, we absorb those losses. If regulations change or economic conditions deteriorate, we handle those challenges.

Customized Investment Terms

Whether you need specific maturity dates, quarterly payments instead of monthly, or particular documentation to satisfy your investment committee, we structure agreements to meet your credit union's requirements and policies.

Transparent Reporting

Reports show you how the underlying card accounts are performing, total collections received, and the source of your payments. Maintain full visibility into your credit union's investment with limited operational involvement.

Explore Other Services

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Learn more about Portfolio Acquisitions →
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Learn more about our Turndown Programs →
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Learn more about our White Label Cards →

Differentiate your products, drive engagement, accelerate your growth

Connect with us to start your financial journey today.

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