Structured Consumer Credit in Spain
Polaris Capital originates, underwrites, and services structured consumer credit and legal-financial assets through a vertically integrated platform.
We combine proprietary origination, internal legal and operational infrastructure, and institutional co-investment to deliver scalable, capital-efficient strategies.
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How We Build Structured Credit
Polaris Capital is a platform for institutional investment into Spain’s structured consumer credit market.
We deploy capital across a range of strategies—including consumer debt restructurings, legal-financial claims, and other structured receivables—originated through our captive digital channels.
Our integrated model is purpose-built for institutional investors: we control the intake process, triage and assess cases internally, and manage all servicing, legal processing, and resolution under one roof.
This vertical structure gives our capital partners full-cycle visibility, operational discipline, and strategic alignment with evolving credit asset classes—such as financed settlements, litigation-linked receivables, and secured debt.
Polaris works exclusively with professional investors, credit funds, and family offices seeking differentiated access to Spanish consumer credit via a scalable, defensible platform.
Captive Origination
We originate structured consumer credit assets directly through proprietary intake channels.
Our platform maintains end-to-end control from the first user interaction, eliminating third-party brokers and delivering clean data, verifiable documentation, and asset-level traceability from day one.
Intelligent Asset Triage
Our internal decisioning engine evaluates each opportunity across legal, financial, and operational vectors.
Cases are segmented and prioritized automatically, enabling rapid screening and routing into appropriate workflows—whether loan issuance, restructuring, litigation, or settlement.
This architecture allows us to scale with precision, maintain underwriting discipline, and optimize capital deployment across diverse structured credit strategies.
Full-Cycle Credit Infrastructure
Polaris manages every phase of the asset lifecycle in-house—from borrower onboarding and credit decisioning to legal resolution, recovery, and portfolio management.
This vertically integrated structure gives us end-to-end control over capital deployment, risk governance, and execution—minimizing reliance on third parties and maximizing alignment with institutional partners.
Our platform
edge
Transparent, Scalable,
Built for Institutional Capital
At Polaris, we believe credit origination platforms should be auditable, defensible, and designed for capital at scale.
That’s why we built an infrastructure-first model—one that emphasizes end-to-end data visibility, execution control, and legal structuring discipline across every credit strategy.
End-to-End Visibility
Every claim, loan, and legal action is tracked from intake to outcome—no black boxes.
Institutional Structuring
Designed for co-investment, capital warehousing, and risk-aligned deployment.
Operational Control
Origination, servicing, and legal enforcement executed under one roof.
Strategic Flexibility
Asset classes evolve. Our platform adapts—from insolvency claims to structured consumer loans.
Partner With Us
Polaris partners with credit funds, asset managers, and family offices seeking to deploy capital into structured consumer credit strategies in Spain.
Our platform is built for co-investment—offering operational transparency, asset-level control, and scalable exposure across consumer restructurings, legal-financial claims, and future secured credit verticals.
Contact us to explore current opportunities and learn how we align execution with professional capital mandates.
Contact Us
Connect with us to access current opportunities and understand how we structure execution to meet professional capital objectives.
Email: info@polaris.com
Phone: +36643434343