EST. 1913 · INDEPENDENT

OAO 1913
Enduring credit counsel

Independent financial advisory rooted in analytical rigour, transparency, and long-term partnership. Serving institutions, family offices, and discerning enterprises.

€2.9B+ advised capital
100% independent
98% client retention
FOUNDATIONS

Trust · Discipline · Foresight

Generational perspective

Founded on principles of prudent credit selection and long-term value creation — not short-term speculation.

Unconflicted advice

No proprietary products, no embedded incentives. Our recommendations serve your objectives alone.

Bespoke credit architecture

Every mandate receives a custom solution — from direct lending to complex structured finance. We engineer outcomes, not products.

Stress-tested resilience

Multi-scenario modelling and covenant analysis ensure structures withstand market volatility.

CREDIT PRACTICES

Specialist advisory areas

Private credit

Senior secured, unitranche, and mezzanine financing for mid-market companies.

Debt advisory

Capital restructuring, refinancing strategies, and lender negotiation.

Structured finance

ABS, CLOs, whole loan advisory for specialty finance and real estate.

Risk analytics

Stress testing, concentration limits, liquidity frameworks for credit portfolios.

CREDIT INTELLIGENCE

Useful market facts

Default rate fact

Global high-yield default rates averaged 3.2% over 30 years — quality selection matters.

Recovery rates

Senior secured loans historically recover 70-80% in default vs. 40% for unsecured.

Private credit premium

Direct lending offers 300-500bps illiquidity premium over public markets.

OAO 1913 Monitor: Covenant quality dispersion is at decade highs. Active maintenance covenant analysis remains our cornerstone.
CONFIDENTIAL INQUIRIES

Start a conversation

Credit mandates, capital partnerships, or a discreet introductory discussion.

Response within 24h Strictly confidential

European office

23 vul. Rymarska
Kharkiv, Kharkivska obl., 61057
Ukraine


Cross-border credit advisory since 1913