Private credit,
precision engineered for autos.
Camber Credit is a vertically integrated investment platform targeting the prime and non-prime auto loan market. We provide institutional investors with access to high-yielding, short-duration credit, structured for performance, risk control, and regulatory efficiency.
What We Do
Unlocking Value in the Last Fragmented Credit Market
Camber aggregates non-prime auto loans from local banks, dealerships, and regional originators. Through advanced structuring, risk analytics, and integrated servicing, we create high-quality, high-yielding auto credit portfolios for institutional capital.
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Our integrated platform enables us to:
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Source and acquire seasoned loan pools with superior cash flow dynamics
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Structure rated, capital-efficient ABS offerings and co-investment vehicles
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Leverage proprietary analytics and AI to optimize credit risk and loan-level pricing
Why Auto, Why Now
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$1.5 trillion auto loan market, the third largest household debt category
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A significant portion of prime & non-prime auto loans remains outside securitized markets, held by fragmented lenders and local originators
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Banks face regulatory pressure (CECL) to reduce exposure
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Institutional demand is growing for non-correlated, short-duration credit
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Auto loans typically amortize faster than the collateral depreciates, which improves risk profiles over time, all else equal