FortuneoInsights
Understanding your options.
Clear, practical writing on real estate credit, equipment, maritime and trade finance, and insurance capital.
§ 01Insights
Plain language on credit.
Guides that explain how each kind of financing works, and perspectives on the markets we lend into. Written by Fortuneo.
Featured · PerspectiveInsurance
Why a lender builds an insurer
Insurers and private credit have been converging for a decade, and regulators are paying close attention. What the model gets right, what it gets wrong, and the rules we think it needs.
Read the pieceReal estate credit
GuideReal estate credit
Bridge or construction: choosing the structure
Two short-term tools that get confused all the time. How each one works, how the money moves, and how to tell which one your project needs.
Fortuneo · 7 min read
GuideReal estate credit
DSCR lending for rental investors
Underwriting on the property’s cash flow rather than the owner’s tax return: how the ratio works, what lenders look at, and where investors get surprised.
Fortuneo · 6 min read
GuideReal estate credit
What a collateral-first lender actually reads
Beyond the credit score: the appraisal, the rent roll, the budget and the exit. A walk through the package, and why each piece matters.
Fortuneo · 6 min read
GuideReal estate credit
C-PACE in Texas: how property-assessed financing works
Long-term financing for energy, water and resiliency work, repaid through an assessment on the property. What qualifies, who has to agree, and where it fits in a capital stack.
Fortuneo · 6 min read
PerspectiveReal estate credit
The maturity wall, one loan at a time
A large share of commercial mortgages comes due this year. The headline sounds like one problem; up close it is thousands of separate ones, each solved at the property level.
Fortuneo · 6 min read
Specialty finance and insurance
GuideSpecialty finance
Lease or loan: financing the equipment a business runs on
Trucks, machines, fleets and systems can be leased or financed. The difference is ownership, and it changes the payment, the balance sheet and the end of the term.
Fortuneo · 6 min read
GuideSpecialty finance
Ships are real estate that moves
Mortgages, flags, charters and insurance: how vessel finance is secured, and why a lender cares as much about where a ship sails as what it is worth.
Fortuneo · 7 min read
GuideSpecialty finance
Self-liquidating by design: a guide to trade finance
Letters of credit, documentary collections, receivables and supply chain finance. Why trade finance is short, secured by the goods and the paperwork, and screened before anything else.
Fortuneo · 7 min read
Insights are for general information only. They are not an offer or commitment to lend, insure or invest, and not legal, tax, accounting or investment advice. Fortuneo Redux Reinsurance, Ltd. and Fortuneo Manens Life & Annuity Company are planned entities and are not licensed.
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