Your partner
in growth
With our deep understanding of the local market and strong international experience, we bring cutting-edge private equity practices to Malta. Entrepreneurs gain access to structured investment processes, value creation strategies, and comprehensive support from our dedicated team. Our commitment is to help businesses thrive, ensuring a sustainable and prosperous future for all stakeholders involved.
OUR FOCUS  
Our specialised focus is in non-performing and re-performing receivables
Understanding Non-Performing Loans
Non-performing loans (NPLs) are loans in which the borrower has stopped making the agreed-upon payments. Banks often need to offload these distressed credit portfolios to gain fresh liquidity and comply with regulatory requirements, such as maintaining NPLs below the 5% threshold set by banking authorities.
Why we specialise in NPL investments
Due to the banks' need to sell their distressed credit portfolios, investors can purchase NPLs at a fraction of their face value. This is especially true in regions where economic conditions have led to negative evaluations by international investors and rating agencies. While the large amounts of NPLs present challenges for banks, they offer attractive opportunities for investors.
Advantages of NPL investment
Cost-effective acquisition
Banks sell NPLs at significantly reduced prices, allowing investors to acquire large portfolios without substantial upfront capital.
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Higher returns
Contrary to common belief, NPL investments are not primarily about foreclosures. Investors are incentivised to offer borrowers alternatives such as loan modifications or short sales, which often yield better returns.
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Regulatory compliance
Banks benefit by reducing their NPL ratios, thus meeting regulatory requirements and improving their financial health.
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Complexity and management of Non-Performing Loans
Investing in NPLs involves analysing and acquiring complex loan portfolios within short timeframes. The process requires managing vast amounts of unstructured data and using advanced technology platforms to handle and interpret this data effectively. Our expertise and technological capabilities enable us to manage these portfolios efficiently, maximising returns while minimising risks.

By specialising in NPLs, 3514 Capital Partners leverages these opportunities to generate consistent cash flows and create value for investors and borrowers, contributing to the overall stability and growth of the financial sector.