The results from Karum’s Return on Investment (ROI) analysis usually show:
  • Earnings before Interest, Tax, Depreciation and Amortization (EBITDA) is usually more than 45%.
  • Risk Adjusted Portfolio Yield on these credit portfolios is usually 45% or better.
  • Cash flow breakeven for a new portfolio generally occurs within 24-40 months.
  • We also strive to maintain a positive coverage ratio each year between funds invested and the value of the portfolio.
  • The Internal Rate of Return (IRR) is targeted to be 45%.
Many factors including the credit policy and growth affect these results.

It is important to note that the retailer that funds the portfolio will drive incremental sales, profitability and create competitive advantage.


Patriotismo 229, San Pedro de los Pinos, 03800, Ciudad de México, CDMX.