Our business

We have built a unique business with a proven track record of unlocking value

We aim to be the most sophisticated purchaser and specialist asset manager of debt portfolios across our five core European markets while fulfilling our purpose of building better financial futures for our stakeholders.

There are currently about 2 trillion euros of non-performing loans and non-core assets on European Bank balance sheets that need to be divested. Consider this for a moment. If these assets were sold at a rate of one euro each second, it would take 63,420 years to shift them all – and this is before the formation of any new stock. That is the scale of our market. Arrow’s capabilities unlock this market. Watch to find out more.

Specialist debt investor

  • Consistent underwriting outperformance (104% cumulative performance since inception)
  • Specialist focus on niche assets
  • Aim to co-invest with institutional fund clients – generates servicing income
  • Generates high returns – 17% net IRR achieved in 2018 (2017: 15%)
  • Over 500 portfolios well diversified by geography and asset class

Rapidly growing capital-light income

  • Total AMS income of £132.3 million – 32.9% of total segmental income
  • Five-year target to grow income contribution to towards 50% of Group gross income and increase margins from high-teens per cent to mid-20s per cent
  • Fund management offering build out will contribute to income growth and margin enhancement

Arrow asset management timeline

Our brands

Arrow operates in five European markets, UK, Ireland, Portugal, Netherlands and Italy. It operates market-leading investment and servicing brands that are well respected and play a fundamental part of the European financial ecosystem, where we provide investment opportunities for institutional funds and deleveraging solutions for banks.

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UK

Founded in 2005, Arrow Global is a regulated FTSE-listed business that uses sophisticated analytics to identify, acquire and manage defaulted credit portfolios, primarily from banks and other financial institutions, such as credit card companies.
Arrow Global operates in five main European geographies (UK, Portugal, Netherlands, Belgium and France) and is the owner of a number of leading businesses.

To find out more about Arrow Global visit www.arrowglobal.net

As well as operating the Arrow Global brand, Capquest is also part of the Group in the UK.
Founded in 1985, Capquest is a credit solutions provider with over 30 years of market experience. Clients include leading banks and high street lenders, credit card companies, motor finance and utilities providers, as well as other consumer credit providers.
Based in Glasgow, it services Arrow Global as well as third-party accounts using a market leading customer services platform.

To find out more visit www.capquest.co.uk

Founded in 2008, Mars Capital is a mortgage administrator and servicer. The mortgages we administer are our own; we have purchased them from other lenders and have legal ownership of the loan agreements.
We manage every aspect of mortgage administration, using our own mortgage experts and technology to provide our customers with a high quality and reliable service.

To find out more visit www.marscapital.co.uk

Drydensfairfax solicitors is a dual-regulated, specialist law firm focused on recovering money and assets on behalf of its clients in a highly professional manner.
The firm represents commercial organisations requiring a high quality, litigation led approach to their volume debt recovery and insolvency advisory needs and it’s expertise and strength in depth means it continually delivers pragmatic, commercially sensitive solutions. The firm was acquired by the Arrow Group in 2019.

To find out more visit www.drydensfairfax.com

Ireland

Founded in 2008, Mars Capital is a mortgage administrator and servicer. The mortgages we administer are our own; we have purchased them from other lenders and have legal ownership of the loan agreements.
We manage every aspect of mortgage administration, using our own mortgage experts and technology to provide our customers with a high quality and reliable service.

To find out more visit www.marscapital.co.uk

Italy

Zenith specialises in managing structured finance transactions in Italy.
Established in 1999, Zenith was the first Italian company to obtain a rating as Master Servicer by Standard & Poor’s (in 2004). In 2017, this rating was raised to Strong, the highest level, with stable outlook, for all asset classes.

To find out more visit www.zenithservice.it/en

Founded in 2005 as PARR Credit, our experience covers management of performing, sub-performing and non-performing banking, financial and commercial products.
In 2018, the Company became part of the Arrow Global Group (United Kingdom), being now integrated into one of the main European realities for the purchase of management loans.
Whitestar Italy can count on more than 600 employees and collaborators, in the offices of Rome and Tirans (Albania). 

To find out more visit www.whitestar-as.it

Europa Investimenti is an institutional investor operating in the Italian distressed opportunities arena. Founded in 1988, was among the earliest Private Equity investors in Italy. In 2008 Europa Investimenti started a new investment cycle in the distressed assets space with new shareholders and a renovated management team.
Outstanding track record, experienced management team and established relationship network provide EI with an accredited, qualified and widely recognised reputation.

To find out more visit www.europainvestimenti.com

Portugual

Norfin is a leading independent, privately-owned Real Estate investment fund manager with HQ in Lisbon. It specialises in investing and managing direct equity participations in Real Estate assets typically via closed-end private equity funds.
Founded in 1999, it currently manages assets worth approximately EUR 1.5 billion on behalf of a range of Institutional and sophisticated private investors.
Its approach is based on Active Asset Management drawing upon the long experience and seniority of executives to drive results at the operational and financial levels. While favouring efficient capital and financial structures, Norfin do not believer in complex financial engineering to drive returns. It’s objective is to deliver superior risk-adjusted returns by managing Real Estate risk.
Norfin is a financial institution regulated by the relevant regulatory bodies in Portugal.

To find out more visit www.norfin.pt

Founded in 2007, Whitestar is a full service, integrated credit servicing specialist which offers advisory, real estate management, securitisation and structuring, analytics, and related loan portfolio investment services.
Whitestar Asset Solutions, S.A. is a leading Portuguese servicer and the only ‘one stop shop’ able to offer a complete and integrated asset management solution to investors and originators.
Currently, the company has circa 500 employees, in offices in Lisbon and Porto.

To find out more visit www.whitestar.pt

Netherlands

Founded in 1996, Vesting Finance is a financial servicing provider which offers primary and special servicing, including recovery, for financial institutions and equity investors. It manages performing, sub-performing and non-performing portfolios of consumer credit, residential mortgages, SME and CRE.
Vesting Finance also offers a full range of credit management services, from acceptance to billing and from receivable management to pre and judicial collection for mid and corporate clients across a variety of industries such as rental, telco, utility and pension administrators.

To find out more visit www.vestingfinance.nl and www.vestingfinance.be

Founded in 2005, Focum is a consumer marketing and credit information specialist which offers a variety of solutions in the area of marketing, data management, credit risk and collections management. Focum helps companies maximize their customer relationships.
Services range from credit ratings and fraud prevention to customer targeting and marketing intelligence. Clients include (online) retailers, utilities providers, telco, fundraisers and collection agencies.

To find out more visit www.focum.nl