Pagaya Technologies LTD. announced the closing of PAID 2025-2, a new $500 million AAA-rated personal loan asset-backed securitization (ABS) transaction. This successful issuance underscores continued investor demand for Pagaya’s consumer credit assets. The company has consistently demonstrated its ability to attract capital for its AI-driven network.
Since 2018, Pagaya has raised over $27 billion across 67 ABS transactions, highlighting its established presence in the securitization market. The company is focused on executing deals with a declining cost of capital and more efficient structures. This approach is designed to reduce risk retention levels and enhance overall financial performance.
Sahil Chandiramani, Pagaya’s Head of Capital Markets, noted that as the leading ABS issuer of personal loans in the U.S., Pagaya continues to see demand from investors who value its track record of stable asset performance. This transaction reinforces Pagaya's commitment to capital efficiency and disciplined growth.
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