MENA Rising StarDeloitteTeamSec Group
The shortest path between capital and credit.
TeamSec originates credit, underwrites it on its own risk infrastructure, structures it into securities and places it with institutional investors — as one continuous system rather than a chain of handoffs.
01Capital in02Credit deployed03Assets return
Awards and ecosystem programmes carry more weight when they are somebody else's judgement. These are all third-party.
MENA Rising StarDeloitte
Innovative Product / ServiceFast Company · Digital Money & Fintech Awards
The Innovative FintechKPMG Türkiye & FINTR · Dijital Finansın Öncüleri4th Most Innovative CompanyFast Company · Digital Money & Fintech Awards 2023
Turcorn 100Türkiye technology ecosystemThe structural problem
Between the investor and the borrower sit too many balance sheets.
Every intermediary takes a margin, and every handoff loses the data the next one needs. What arrives at the borrower is a price that has less to do with their credit than with the distance the money travelled.
What the investor receivesIndirect, fixed, one step removed from the asset
The structural spread
Balance sheetIntermediationDistributionServicing
What the business paysRisk-priced, plus the cost of every layer in between
Illustrative — relative structure, not a specific market or transaction.
Much of that distance is operational rather than credit. It is the cost of disconnected systems, the same borrower underwritten three times, and distribution narrow enough that the asset never reaches the investor who would price it best. TeamSec treats it as an engineering problem.
The circuit
Capital does not travel in a straight line.
Follow it once. Institutional capital goes out through structuring and origination into the real economy; credit assets and their performance come back through portfolio formation and securitisation. The platform sits inside the loop, because every step runs on it.
Institutional investors01 / 05 · 0% of circuit
01 / 05
Capital is committed.
Funds, banks and institutional allocators take credit exposure against a defined mandate — rating proxy, tenor, sector, concentration limits. That mandate is the constraint everything downstream is engineered to satisfy.
Underwriting decides what capital can touch.
Automated underwriting reads transactional and alternative data alongside the financials, and the eligibility rules the investor agreed to are enforced at the moment of decision rather than reconciled months later.
Credit reaches the business.
Origination runs three ways — direct, through dealer and distribution networks, and embedded inside a partner's own commercial flow — so financing arrives where the buying decision is actually made.
The asset returns as evidence.
Every repayment, delay and recovery is written back to a continuous asset record. Portfolios are formed from observed behaviour, then tranched against it rather than against an assumption.
Structured exposure reaches the investor.
What is placed is an instrument whose entire history is visible to the holder. The next rotation begins with better information than the last — which is the whole point of owning the loop.
Group architecture
Two arms. One operating system.
TeamSec is not a single-product fintech with a holding company drawn on top. Finance and Capital are the two ends of the same mechanism, and both run on infrastructure the group builds itself.
Originate & finance
TeamSec Finance
Originates and finances B2B credit assets through the licensed Team Finansman A.Ş. entity, and builds embedded and ecosystem financing programmes around a corporate's own commercial flow.
- Direct origination
- Dealer and distribution networks
- Embedded ecosystem programmes
- Balance-sheet financing
TeamSec Capital
Structures and securitises eligible credit portfolios and distributes them to institutional investors, within its applicable Capital Markets Board permissions.
- Portfolio formation and eligibility
- Tranching and credit enhancement
- SPV and issuance operations
- Investor reporting
Underneath bothExplore the platform
TeamSec builds the technology the two arms stand on.
Not an AI feature bolted onto a lending product. Underwriting, monitoring, structuring and reporting are one system seen from different ends — which is why an asset can travel from origination to issuance without being re-underwritten by hand.
Alternative & transactional dataAutomated underwritingPortfolio analyticsRisk monitoringStructuring engineTranche optimisationScenario analysisInvestor reportingAPI infrastructure
Structuring
Where a portfolio becomes a security.
Tranching is the moment credit risk is re-shaped into instruments that different investors can hold. Move the assumptions and watch the structure re-form — this is the model, not a picture of one.
₺250m₺2,500m
100 bps900 bps
6 mo48 mo
Senior attachment sits at 15.0% — 5.0× the expected loss of the pool. Move the loss assumption and the whole structure re-forms.
Senior15.0% – 100.0%
Mezzanine4.8% – 15.0%
First loss0.0% – 4.8%
0% — first loss100% — pool notional
| Tranche | Thickness | Notional | Subordination | Loss coverage | WAL |
|---|---|---|---|---|---|
| Senior | 85.0% | ₺1,020m | 15.0% | 5.0× | 0.8 yrs |
| Mezzanine | 10.2% | ₺122m | 4.8% | 1.6× | 1.4 yrs |
| First loss | 4.8% | ₺58m | 0.0% | — | 1.7 yrs |
Illustrative model on a synthetic pool, published to explain how a capital structure responds to portfolio assumptions. Every figure is generated by the model on this page. It is not pricing, not indicative terms, not an offer or solicitation, and not representative of any TeamSec transaction. Real structures depend on the portfolio, the mandate, rating methodology and applicable regulation.
Why it compounds
Every completed circuit makes the next one cheaper.
The moat is not any single step. It is that the group owns the whole loop, so evidence produced at one end is usable at the other — and a competitor holding only one step cannot assemble it.
The TeamSec flywheel
Seven steps, one closed loop.
- 01More origination
Each financing relationship adds an asset and a counterparty the group observes directly.
- 02More proprietary data
Repayment, transactional and behavioural data returns to a continuous asset record — not a purchased proxy.
- 03Better underwriting
Models are retrained on outcomes the group observed itself, in the segments it actually lends to.
- 04Better credit quality
Sharper selection and earlier intervention reduce realised loss against the same expected loss.
- 05Better structuring
Cleaner, better-evidenced portfolios support tighter tranching and less credit enhancement.
- 06Lower cost of capital
Investors price uncertainty. Evidence they can verify narrows the spread they require.
- 07More competitive credit
The saving reaches the borrower as a better offer — which brings more origination.
Ecosystem
Built to sit inside other institutions, not beside them.
The group's value rises with the number of systems it connects to. These are the relationship types the platform is designed around.
Banks & lenders
Infrastructure, not competition
Credit, risk and securitisation capability that deploys inside an existing institution's own stack, governance and reporting line.
Institutional investors
Access to structured credit
Portfolios structured and reported to a standard an allocator can underwrite, through applicable issuance and distribution channels.
Corporates & ecosystems
Financing built around the flow
Embedded programmes that finance a corporate's dealers, suppliers and customers inside the commercial relationship that already exists.
Distribution networks
Credit at the point of decision
Dealer and partner networks originating financing at the moment the purchase is agreed, on the platform's underwriting.
Regulators & market infrastructure
Governance as a design input
Licensed entities, separated responsibilities and an auditable record running from origination through to issuance.
Named institutional relationships are disclosed on the Partnerships page rather than displayed as a logo wall.
Start where you are
Enter from either end of the circuit.
Banks & financial institutions
Platform We could run this infrastructure.
Credit, risk and securitisation technology deployable inside your own institution.
Institutional investors
Capital We want structured credit exposure.
Portfolio formation, tranching, issuance operations and investor reporting.
Corporates & networks
Finance We want financing built around our ecosystem.
Embedded, dealer-led and direct origination programmes.
Engineers & credit people
Careers We want to build this.
Open roles across credit, risk, structuring and platform engineering.
From credit to capital
Start a conversation Move capital closer to where it creates value.
One conversation, with the right part of the group.
Interactive technology map
The operating system behind private credit.
Explore how origination data, underwriting, compliance, monitoring and securitisation stay connected on one asset record.
One asset
record
record
Homepage intelligence layer
What the platform is watching.
A standing intelligence layer for the themes that change how credit assets are originated, monitored and distributed. These are operating themes, not market forecasts.
01 / Infrastructure
Continuous underwriting
Move from a one-time credit decision toward a record that can be re-read as the business changes.
Operating theme
02 / Distribution
Securitisation readiness
Design eligibility and reporting requirements at origination instead of reconstructing the asset later.
Design principle
03 / Risk
Earlier intervention
Treat monitoring as part of credit operations, not as a report produced after performance has moved.
Control theme
04 / Governance
Evidence by default
Keep policy, decision, identity and transaction evidence attached to the same operating record.
Governance theme