CURO Group Holdings Credit Presentation Deck
Diversified Funding Sources
▪ CURO has proven access to diverse funding sources and sufficient liquidity to support future growth
Through its strategic repositioning, CURO has been able to meaningfully reduce its cost of non-recourse debt
Non-Recourse Commitments as of Sep-22
■
(Millions)
500
450
400
350
300
250
200
150
100
50
Lill
FHC CDL SPV FLX SPV FLX
SPV
HFC
SPV
CN Revolver(1)
US Revolver
FLX 2021-1
FLX SPV
CDL SPV
FHC SPV
HFC SPV
Sr. Notes
US
CN
2021-1 Revolver Revolver
Debt Maturities
2022 2023 2024 2025 2026 2027 2028 2029 2030
Note 1: The Canada Revolver does not have a maturity date but is subject to an annual review
WACD
9.00%
8.50%
8.00%
7.50%
7.00%
6.50%
6.00%
5.50%
5.00%
4.50%
4.00%
Historical Weighted-average Cost of
Non-Recourse Debt (SPV)
CCURO
Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22
WACD
SOFR
CDOR
4.50%
4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
SOFR&CDOR
12View entire presentation