Endless Fintech Opportunities

HCG, a digital finance investor, is positioned to make what we believe are attractive investments in this market.

Built on the principles of fundamental investing and disciplined risk management, a deep understanding of the financial sector and the FinTech revolution, and the engineering skill needed to integrate holistically with digital counterparties, Digital Finance Investing is an essential capability for private credit investors.

Digital Finance

Borrower Benefits

  • Efficiency
  • Transparency
  • Customization
  • Diversification
  • Flexibility

Access Like Never Before

As these benefits become more recognized, we expect to see more borrowers embrace digital private credit as a viable solution for capital needs. Whether traditional or creative, this demand for credit opens the opportunity for Digital Finance Investing.

Small Business

FinTech is empowering small businesses, sole proprietors, and “micro-preneurs” like never before because they now have access to credit.

Student Loans

Student loans issued on an unforgiveable, lifetime guarantee, are now underwritten algorithmically based on likely career outcomes of a specific degree.


Mortgages that once required reams of paper and weeks of review are now underwritten and processed in minutes online, and burdensome personal debts can be refinanced, or additional credit granted at the click of a button.





Investment Savvy

Investment Savvy

Investment Savvy


Domain Expertise

Domain Expertise

Online access to small balance credit is changing our world in incredible ways. Students, entrepreneurs, and individuals are harnessing new opportunities for upward mobility through the power of FinTech.

Equalizer Bars

Our Role

This disruption has not only enabled a new breed of investment opportunities, it’s revolutionizing the way HCG thinks about our investments and their lasting social impact.

HCG was among the first investment firms to recognize the opportunities FinTech could provide in the private credit market.

To this ever-evolving sector we bring a distinct combination of:

  • Understanding the details of a rapidly changing financial services environment

  • Long term focus on value creation

  • Industry knowledge and experience

  • Commitment to engineering and technology

  • Stakeholder engagement with platforms and investors alike

Our Market Views + Foresight

I’ve Got a Feeling

Remember 2009?  President Obama was beginning his first term as US president on the heels…

BNPL Potential

In early August, Square, Inc., announced a $29 billion acquisition of Afterpay, a pioneer of…

I’ll Be Back

For most of the pandemic in 2020, it seemed like travel was dead. That sentiment…


No, not the band, although we could all probably use a dose of Rock n…

Know Thyself

For passionate football (soccer) fans from a few generations ago, the name Socrates likely does…

Breaking Free

We have a lot of ideas to share, so sometimes it takes a good tune…

9 Things to Know about Digital Credit

In recent conversations, we have often been asked to describe HCG’s experience with our asset…

Won’t You Be My Neighbor

While discussing the paradox confronting today’s fixed income allocators, we thought of Mr. Rogers and…

Trust & Truth

Since 1993, Channel 4 in the UK has broadcast an “alternative Christmas message,” typically a…


Google’s “Year in Search 2020” is a moving compilation of the year viewed through the…


Brian Johnson was the lead singer of the heavy metal band AC/DC. His signature raspy…

What’s in Your Wallet?

Many of us probably remember the first time we watched Quentin Tarantino’s Pulp Fiction.  The…

So You Think Small Business is ‘Dead’

In late August, comedian Jerry Seinfeld took author / influencer James Altucher to the mat…

How Low Can You Go?

1963. Limbo fever was in the air, and over the sound system, Chubby Checker egged…

A Patient Universe: Hello Digital

A few years ago, we wrote about A Galaxy Far, Far Away, noting that small-balance…

Trial By Fire

We all knew that FinTech made our lives easier and some entrepreneurs wealthier, but many…

Sixth Weekly Commentary: COVID-19 Response

Another “End of the Beginning”   “Now this is not the end. It is not…

Fifth Weekly Commentary: COVID-19 Response

D.I.S.T.O.R.T.I.O.N. A symphony conductor listens to the orchestra’s sound. A chef savors tastes and senses…

Fourth Weekly Commentary: COVID-19 Response

Coming Together While the public sector has been capturing the limelight for its massive effort…

Third Weekly Commentary: COVID-19 Response

“Success is not final, failure is not fatal: it is the courage to continue that…

Second Weekly Commentary: COVID-19 Response

A trillion here, a trillion there This week we saw something we haven’t seen in…

First Weekly Commentary: COVID-19 Response

What only a couple of weeks ago seemed like a distant distraction has become an…

Hurricane Season

The first hurricane forecast was issued in 1873 by a Jesuit cleric living in Cuba….

Of Slam Dunks, Layups and Risk-Adjusted Returns

Few things in life are as easy as a layup or as certain as a…


“If you want to gather honey, don’t kick over the beehive.” Dale Carnegie   Carnegie…

Undecided, Unforgiven and the Future of Student Debt

In “Unforgiven,” Clint Eastwood’s almost reformed assassin, Bill Munny, explains the impact of murder on…

The Right Place

“I been in the right place, but it must have been the wrong time I’d…

Kill Your Darlings

Author William Faulkner said, “In writing, you must kill your darlings.” Faulkner’s advice to writers…

hello, universe

No one gave it much thought when Russian scientists used Morse code to send an…

The End of the Beginning

Speaking 75 years ago about the Battle of Egypt, Britain’s first victory of World War…

The First Decade of Marketplace Lending: from Zopa to Square Capital

Kodak. Remember Kodak, before it became a crypto currency high flyer? Kodak thought it was…

A Galaxy Far, Far Away

When Star Wars: The Last Jedi opens on December 15, hordes of fans will flock…

A Cautionary Tale

A cautionary tale typically comes in three chapters: we learn of a taboo, an actor…

Reality, not Perception

What a difference a year makes! Around this time in 2016, some were penning the obituary…

Yin Yang Year

2016 was one of those years: great for some, awful for others. For HCG, our…

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