Payout
“Can a specialized private credit fund targeting the underserved $1T+ SMB lending market deliver institutional-grade yields by partnering with fintech lending platforms for deal sourcing and servicing?”
Payout (payout.ai) positions itself as a private credit fund manager targeting the SMB lending market, leveraging Loot's established lending platform to source and service short-duration credit products including lines of credit, term loans, and merchant cash advances. The fund targets institutional-level yields (20% net annual returns) through diversified SMB credit exposure, with a target raise of $50–$100 million structured as a Delaware LP. The company appears to be an asset manager operating atop an existing fintech lending infrastructure rather than a direct consumer-facing lender.