Alternative Funding Solutions
Finding and implementing the right solution for your scheme, from ABCs and CBJPs to escrows and more.
Benefits of our approach
Experience implementing 70+ Asset-Backed Contribution arrangements
Hands-on knowledge executing Capital Backed Journey Plans
A track record of developing innovative solutions
Clear, comprehensive advice including accounting and tax
Funding that fits.
Aligning your scheme’s journey plan with the right funding solution can be transformative, increasing efficiency and reducing overall funding costs. The choice can be overwhelming, however.
At Isio, we’re relentless in finding the most appropriate option for you and scheme members. Our deep insight and independence allow us to develop or select the arrangement that suits you best. And if the right solution doesn’t yet exist, we’ll build it for you.
We work collaboratively, both implementing and advising on a range of alternative funding solutions, including Asset-Backed Contributions (ABCs), Capital Backed Journey Plans (CBJPs) and escrows.
How we’re helping clients
While our approach will be tailored to each client’s circumstances, we’re currently seeing particular interest in the following areas:
- Reviewing existing ABC arrangements, especially where there are ‘bullet payments’ due. We ensure they remain fit-for-purpose and restructure those that aren’t.
- Implementing escrow arrangements either as part of funding negotiations, mitigation for corporate transactions or as part of a journey to buy-in/buy-out.
- Exploring CBJPs as an alternative to insurance, to achieve a particular funding outcome or to enhance sponsor covenant where the current sponsor may be weak.
Looking at ways for sponsor and scheme members to benefit by running on the scheme rather than targeting buy-out. We put appropriate downside protections in place using the range of alternative funding solutions.
A pathway paved by experience
When it comes to designing and implementing funding arrangements, it helps to have a partner with unrivalled lived experience. Clients not only benefit from the rigour of our Big Four heritage, but the progressive, challenging approach we’ve become recognised for.
Already, our team has been involved with the majority of ABC arrangements. And although CBJPs are a developing area, with few actually implemented, we were actuary to the schemes which did the first two and having explored many more. We also offer clients a detailed understanding of escrows and their varying structures.
This makes us ideally placed to advise on how such arrangements can support your journey plan or, alternatively, how existing arrangements can be restructured.