Embd (embdcap.com) — Capital Markets Advisory, On Demand

What We Do

Fractional Finance.
Full Expertise.

Complex capital markets transactions require someone who lives and breathes the market. We bring the judgment of a seasoned head of capital markets — without the overhead of a full-time hire.

Team Integration

Hired as a fractional CFO, we embed seamlessly into your team to lead and execute your most complex capital market transactions.

Capital Raising

We design and execute fundraising processes to secure the capital you need to scale, from structuring to investor negotiations.

Capital Readiness

We work with you to prepare the company — strategy, structure, and narrative — so you're fully ready to access the right capital at the right time.

Market Edge

By closing a dozen complex transactions every year, we stay close to capital markets and cultivate a strong investor network — directly benefiting your growth.

Our Approach

Beyond execution.
We build your
financing platform.

Execution is table stakes. What sets us apart is the preparation: reviewing your processes, contracts, and business model to close the gap between where you are today and what sophisticated investors and lenders require — whether you're a platform accessing institutional funding for the first time, or a large issuer running a complex multi-tranche process and seeking to sharpen market tension.

Deep Sector Expertise

Specialised in structuring and executing complex capital markets transactions for a broad range of borrowers and issuers — from lending platforms and asset managers to real estate businesses and corporates. Backgrounds spanning investment banking, structured finance, and operating roles.

Proven Track Record

Successfully arranged financings across asset-backed structures, securitisation, venture debt, equity raises, and corporate facilities — for borrowers at every stage, from first institutional raises to repeat large-scale transactions.

Access to the Right Capital

Privileged relationships with banks, private credit managers, debt funds, and alternative lenders across Europe and the Middle East — built through decades at the top of the market and maintained through active deal flow.

Tailored & Scalable

We design financing frameworks that evolve with your needs — from initial raises and capital readiness work to repeat transactions, larger structured financings, and competitive processes that maximise market tension.

Credentials

Selected Transactions

$2bn of transaction volume closed since inception.

Finfrog

Undisclosed

Consumer Finance

Jun 2026 · France

Nepsis

—

Project Finance — Strategic advisory to the CEO

Ongoing · France

Hestia

Undisclosed

Rent-to-Own Leasing Private Securitisation

Ongoing · France

Stream

£250m

Earned Wages Advances Securitisation

Dec 2025 · United Kingdom

Flow 48

$100m

Invoice & Revenue-Based Receivables Securitisation

Dec 2025 · UAE

Andercore

$40m

Series B + Revolving Credit Facility for Working Capital

Jun 2025 · Pan-Europe

Oviva

€10m

Working Capital Facility

May 2025 · Germany

Stream

£300m

Workplace Loans Private Securitisation

Apr 2025 · United Kingdom

Lendo

$690m

SME Financing Private Securitisation

Jan 2025 · Saudi Arabia

Hokodo

€100m

B2B BNPL Receivables Private Securitisation

Mar 2024 · Pan-Europe

Habito

£1bn

Forward Flow — UK's first long-term fixed rate residential mortgage pool

Mar 2021 · United Kingdom

Leadership

The Team

A combined 40+ years of experience across investment banking, structured finance, and fintech operations.

François Tual

Managing Partner

Experienced investment banker with a career spanning over a decade in M&A and securitisation within tier one institutions (Goldman Sachs, BNP Paribas). From 2018 to 2023, François was a startup operator — Chief Capital Officer of Habito and then Co-CEO of Index Ventures-backed Flatfair. He launched his own advisory boutique, FIT Labs, in 2023, now rebranded to Embd. Graduate of HEC Paris.

francois.tual@embdcap.com LinkedIn London

François Lamy

Managing Partner

Seasoned investment banker with nearly two decades in structured finance and equity derivatives across Citi, Barclays, and CA-CIB. Led Private Markets for Citi in APAC and FraBeLux, covering real estate, infrastructure, securitisation, credit, and equity. At the forefront of Citi's fintech origination in continental Europe, having led debut securitisations for Defacto, ClubFunding and others. Graduate of EM Lyon.

francois.lamy@embdcap.com LinkedIn Paris

Your Capital Markets
Partner, On Demand

Fractional Finance.
Full Expertise.

Beyond execution.
We build your
financing platform.

Selected Transactions

The Team

Let's talk about your
capital markets journey.

Your Capital Markets Partner, On Demand

Fractional Finance.Full Expertise.

Beyond execution.We build yourfinancing platform.

Selected Transactions

The Team

Let's talk about yourcapital markets journey.

Your Capital Markets
Partner, On Demand

Fractional Finance.
Full Expertise.

Beyond execution.
We build your
financing platform.

Let's talk about your
capital markets journey.