How we work
How Mosaic Group runs each program
One mandate process, one risk standard and one asset record, whether Mosaic originates directly or works with a specialist partner. Details are subject to final documents.
Mandate process
From first conversation to funded program, in four decisions
Source
Review asset supply, the origination route, servicing capacity and why funding is needed.
Underwrite
Test historical performance, asset rights, repayment, servicer and downside recovery.
Approve and fund
Set eligibility, advance, covenants and capital commitments before first draw.
Collect and report
Reconcile cash, monitor triggers and redeploy only within the approved mandate.
Investor capital is drawn only after diligence, documentation and asset eligibility are complete.
Risk discipline
Controls change how much can be funded
Underwriting connects the counterparty, the asset and the legal structure. Controls then run for the life of the pool.
We underwrite four sources of risk
01
Origination and servicing
Governance, capacity, historical data and controls, whether Mosaic or a partner performs the work.
02
Payment counterparty
Credit quality, payment behavior, sector and concentration.
03
Asset
Existence, documents, eligibility, age, disputes and expected recovery.
04
Structure
Transfer or security, perfection, cash control, reserves and backup servicing.
Controls through the life of a program
01
Before a draw
Source documents, asset age, value and concentration limits are verified. Ineligible assets receive no advance.
02
During the pool
Asset records are reconciled to cash. A weakening pool can reduce availability or trap cash.
03
After a breach
New draws stop, reserves are built, and investors receive breach reporting.
Each program has its own legal perimeter: separate vehicle, controlled collection accounts, and no cross-program collateral. Cross-border programs are reviewed for enforceability, tax and regulatory requirements in each jurisdiction.
Technology and reporting
One asset record, from origination to investor report
Mosaic Group carries each asset's source documents, checks and approvals from intake into the funded pool and through every collection.
Before funding
Digital intake
Partner access, onboarding, asset files and source documents
Eligibility and approval
Transaction-level checks with every decision logged
Funding record
Advance, settlement and cash tied to the same asset record
After funding
Daily portfolio data
Positions and payments imported and reconciled
Risk analytics
Aging, arrears and concentration tracked
Servicing workflows
Collections allocated and actions recorded
For investors
Position report
Balances, advances, collections, maturity and aging
Borrowing base
Exclusions, reserves, availability and concentration
Exception log
Breaches, disputes, remedies and audit trail
Investor statements tie back to actual cash.