Approach
Why no one else has built this.
The talent and the demand have existed for years. The reason the financing did not is that the obvious sources of capital each fail for a specific, structural reason.
Why no one else
Three sources of capital, three reasons they fail.
Study-focused income shares
Finance degrees, not the trades. They were never built to fund a recognised qualification and a physical move.
Banks and peer-to-peer
Cannot underwrite a worker who is still abroad with no domestic credit history and no collateral.
Self-financing
The move costs far more than a skilled worker can save on an origin-country wage. It is simply out of reach.
Way forward
Prove one cohort, then scale globally.
1
Build the platform
Stand up the lending platform and seed the first capital.
2
Prove the first cohort
Finance one cohort end to end, collect data, and tighten the model on real outcomes.
3
Scale on institutional capital
Once the model is proven, scale it with institutional capital.
4
The flywheel
Each cohort funds and de-risks the next. Scale across trades and geographies.