About · Direct origination
Mosaic Group finances companies directly.
Mosaic Group is an integrated asset-based finance platform. We originate and structure receivables, payables and inventory facilities for corporates worldwide, directly and alongside specialist originators. Institutional capital funds each program, supported by our structuring, technology and risk management capabilities.
01
Who we are
A founding team with experience in origination, structured credit, private equity, quantitative risk and technology.
02
What we do
Mosaic Group sources assets directly from companies or with specialist originators, underwrites each pool on its own merits, and arranges senior and junior funding from institutional capital partners.
03
How we operate
Mosaic services or oversees servicing, monitors assets and collections, reports to investors, and co-invests alongside its capital partners.
Experience
Experience, not a first attempt
The US$5.2bn comprises working capital solutions funded via issued notes, and relates to the team's experience at prior firms and platforms, not Mosaic Group performance.
Partners' prior experience includes Goldman Sachs · McKinsey & Company · Bank of America Merrill Lynch · Blackstone · Qatar Sovereign Wealth Fund · Oppenheimer & Co.
Team
The team
Mosaic Group brings together five partners with over 100 years of combined experience in origination, capital markets, credit, technology and program operations.
Mattia Tomba
Partner
Founding investor in Tradeteq, prior roles at Qatar Sovereign Fund, Goldman Sachs Whitehall Funds and Merrill Lynch.
- Founding Partner, Alchemy Capital Solutions
- Founder and Former Managing Partner, The PIO
- Founding Investor, Tradeteq
- Former Investment Manager, Qatar Sovereign Wealth Fund
- Goldman Sachs Whitehall Funds
- Private Wealth Management, Merrill Lynch
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Mattia has spent his career allocating and managing capital for demanding investors, from the Qatar Sovereign Wealth Fund to Goldman Sachs' Whitehall Funds. He founded The PIO and is a Founding Partner of Alchemy Capital Solutions.
Dipak Jogia
Partner
SupplySci Founder, Highmore Managing Partner and Co-Founder, prior roles at Oppenheimer & Co. and FrontPoint/Morgan Stanley.
- Co-Founder and Managing Partner, Highmore Group
- Heads Highmore's Trade and Specialty Finance business
- Founder, SupplySci
- Former Managing Director, Oppenheimer & Co.
- Former FrontPoint Partners / Morgan Stanley
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Dipak co-founded Highmore Group, an SEC-registered alternative asset manager, where he leads Trade and Specialty Finance. His team has funded over US$1bn across 23 industries and more than 15,000 invoices. Earlier, he headed alternative investments research at Oppenheimer & Co.
Marco Breu
Partner
Former McKinsey Managing Partner; founder, entrepreneur and early-stage investor.
- Founding Partner, Alchemy Capital Solutions
- Founder and Chairman, Orionis Capital
- Former Managing Partner, McKinsey & Company
- Investor in 20+ startups
- Visiting Professor, Royal Thimphu College
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Marco is a founder, entrepreneur and early-stage investor, and a former Managing Partner at McKinsey & Company. He founded and chairs Orionis Capital, is a Founding Partner of Alchemy Capital Solutions, and has invested in more than 20 startups.
Michael Boguslavsky
Partner
Former Tradeteq Chief Risk Officer and Head of AI, prior EMEA structuring role at Bank of America Merrill Lynch and senior quantitative roles.
- Former Head of AI and Chief Risk Officer, Tradeteq
- Former Advisor, Blackstone Alternative Asset Management
- Former EMEA Head of Pension and Insurance Structuring, Bank of America Merrill Lynch
- Former Head of ALM and Quantitative Analytics, Ignis Asset Management
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Michael led risk and AI at Tradeteq. Before that he headed EMEA pension and insurance structuring at Bank of America Merrill Lynch, advised Blackstone Alternative Asset Management, and ran ALM and quantitative analytics at Ignis Asset Management and the Pearl/Phoenix Group.
Jennie Jiang
Partner
SupplySci COO, prior quantitative analysis and structuring roles at Highmore, Oppenheimer, Citi, Bank of America Merrill Lynch, UBS and Moody's.
- Managing Director, Highmore Group
- Chief Operating Officer, SupplySci
- Former Senior Director, Oppenheimer & Co.
- Prior roles at Citi, Bank of America Merrill Lynch, UBS and Moody's
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Jennie is a Managing Director at Highmore Group, working on quantitative analysis and structuring across private credit and asset-based strategies. At Oppenheimer & Co. she led the quantitative analytics platform for portfolio rebalancing, risk monitoring and liquidity management.
Approach
Three ways to work with Mosaic Group
Companies and investors sit at the centre of the platform: Mosaic finances corporates directly and offers institutional investors positions in the programs it structures.
Capital partners
Invest alongside us
Access senior or junior positions in individually structured asset-based programs, each with its own collateral, limits and investor rights. Mosaic co-invests alongside its capital partners.
Origination partners
Scale your origination
You know a niche asset class. We bring structuring, institutional funding, risk management and technology so you can grow your book with committed capital.
Companies
Access capital, wherever you operate
Mosaic finances companies directly through receivables, payables and inventory facilities, backed by institutional capital. We work across markets and size each structure to your asset base.
Products
Three products, built around real assets
Mosaic Group applies one governance process across all programs, then sets eligibility specific to each asset.
Receivables and payables
Receivables financing advances against invoices owed to a company. Payables financing pays a company's suppliers early and extends its own payment terms.
How it repays
Buyer payment on the invoice, or repayment from the company's trade cash flow
What we check
Assignment, dilution, obligor limits and insurance rights where used
Inventory
Financing against identified stock held for sale or refinancing.
How it repays
Sale or refinancing of identified units
What we check
Title, value, aging, concentration and recovery options
Specialty assets
Financing against documented claims and specialty receivables.
How it repays
Documented claims or receivables, including medical and potentially litigation or warranty finance
What we check
Enforceable rights, claim validity, servicing, duration and reserves
Alignment
Aligned through co-investment.
Mosaic co-invests alongside its capital partners.
How we work
Process, risk and reporting in one standard
Every program follows four decisions, runs under live controls, and reports from one asset record reconciled to cash.
Mandate process
Source, underwrite, approve and fund, then collect and report. Investor capital is drawn only after diligence and documentation.
Read moreRisk discipline
Four sources of risk underwritten, controls before every draw and through the life of the pool.
Read moreTechnology and reporting
One asset record from intake to investor report, with position, borrowing base and exception reporting.
Read moreGlobal presence
Global reach.
Washington, DC · New York · London · Dubai · Singapore
Partners on three continents, close to the companies and originators we finance and to the institutional capital that funds them.
FAQ
Frequently asked questions
What is asset-based finance?
Lending or investing against specific, identifiable assets, such as receivables, inventory or documented claims, where repayment comes mainly from those assets rather than from the borrower's general credit.
What asset classes does Mosaic focus on?
Receivables and payables finance, inventory finance, and specialty assets such as medical receivables and, potentially, litigation or warranty claims. Each program is approved on its own merits.
Does Mosaic invest its own capital?
Yes. Mosaic co-invests alongside its capital partners, with its participation and investment terms agreed for each program.
What positions are available to investors?
Senior positions and junior positions. Each has its own collateral, limits and investor rights set in the final documents.
Do you only work through originators?
No. Mosaic partners with specialist originators and can also originate and service assets directly. Both routes follow the same investment standard.
How long does it take from first conversation to funding?
It depends on data quality and legal structure, particularly for cross-border programs. Every program goes through sourcing, underwriting, approval and documentation before any draw.
How are programs kept separate?
Each program has its own legal perimeter: a separate vehicle, controlled collection accounts and no cross-program collateral.
What reporting do investors receive?
Asset-level position reports, borrowing base reports and an exception log, reconciled to actual cash. Cadence and fields are agreed with each investor.
How do investors receive program details?
Program terms, structures and documentation are shared only with eligible investors after an initial qualification call.
Is submitting the form a commitment?
No. It starts a conversation. Information you share is treated as confidential.
Request an introduction
Let's start a conversation
Whether you are allocating capital, originating assets or seeking financing, tell us a little about yourself. A member of our team will respond within two business days.