J.C. Flowers III

J.C. Flowers & Co. has specialized in the global financial services industry since its inception in 1998. Having invested over $14 billion of capital in 32 portfolio companies across 14 countries, the firm offers unparalleled experience investing in financial institutions. JCF’s senior professionals have developed a deep understanding of the entire financial services landscape through decades of focused experience investing in, managing, and advising companies in the financial services industry across multiple jurisdictions. This experience has enabled our professionals to develop an appreciation for traditional and evolving business models, an increasingly complex regulatory environment, shifting macroeconomic trends, liquidity constraints, and the impact of rapidly advancing technology.

Richard L. Carrión

Operating Partner

Jonathan Cox

Managing Director

Christopher Flowers

Founder, Management Committee Member, Chief Executive Officer & Managing Director

Timothy J. Hanford

Managing Director

Tom Harding

Managing Director

Thierry Porté

Managing Director & Vice Chairman

Adam Raba

Associate

Eric Rahe

Co-President & Managing Director

Sally Rocker

Managing Director, Member of Management Committee & General Counsel

Chris Schrum

Associate

Peter Yordan

Managing Director

37 past transactions

LMAX Group

Secondary Market in 2021
LMAX Exchange operates global institutional FX exchanges and an FCA regulated MTF. A central limit order book execution model offers streaming firm liquidity from top tier banks and non-bank institutions, transparent price discovery, no ‘last look’ rejections and full control over trading strategy and costs.

Inigo

Private Placement in 2020
Inigo Limited provides specialty re-insurance and insurance products. The company offers products under property, terrorism and political violence, and financial lines and casualty insurance categories. Inigo Limited was incorporated in 2020 and is based in Bracknell, United Kingdom.

Chi-X Global Holdings

Acquisition in 2016
Chi-X Global Holdings, a global operator of technologically advanced alternative market centers and a provider of innovative market level trading solutions

Doosan Capital Co., Ltd.

Merger/Acquisition in 2015
Doosan Capital Co., Ltd. provides financing services. It primarily offers service lease, installment, corporate, investment, project, acquisition, and personal finance services; and factoring services, as well as mortgage and corporate loans. The company was founded in 1995 and is based in Seoul, South Korea.

Santander Financial Services, Inc., Island Finance Business

Merger/Acquisition in 2017
Santander Financial Services, Inc., Island Finance Business comprises personal loans and sale finance loans. The asset is located in the United States.

SICOM

Secondary Market in 2008
Incorporated in 1966, Sicom Capital Management Private Limited is a Mumbai-headquartered independent firm focused on providing financial Services to companies across the India.

Monedo

Series C in 2015
Monedo Holding GmbH offers credit lending solutions through technology. It provides online big data scoring technology and machine-learning algorithms services to make better credit decisions. The company offers Monedo, a customized installment loans and Kredito24 which provides microloans. It offers consumer loans, a digital wallet, and a personal finance manager. Monedo Holding GmbH was formerly known as Kreditech Holding SSL GmbH and changed its name to Monedo Holding GmbH in March 2020. Monedo Holding GmbH was incorporated in 2012 and is based in Hamburg, Germany with locations in Hamburg, Germany; Warsaw, Poland; Bucharest, Romania; Moscow, Russia; Madrid, Spain; and Bangkok, Thailand.

HSH Nordbank

Merger/Acquisition in 2018
Founded in 2003, Hamburg Commercial Bank is a financial institution based in Germany that provides financial and wealth management services to their clients.

LUNIS

Private Equity Round in 2021
About us LUNIS - Trust and competence through generations LUNIS Vermögensmanagement AG was founded by Andreas Brandt and partners in strategic cooperation with JC Flowers & Co. LLC, one of the world's most renowned private equity companies. On the basis of independence, partnership and transparency, we offer discerning clients wealth management that takes into account all aspects of their personal and professional life. We are the result of decades of trusting and collaborative partnership, convinced that in a highly regulated environment, which is becoming ever more complex, you need a partner whom you can trust. Due to his expertise, he knows what is relevant to you now and in the future. This trust and experience reduces complexity - allowing us to think and live a modern, independent, individual asset management. Whatever your goals are, we will walk the path with you. Comprehensive asset management Committed to our customers. The preservation and long-term increase of the assets of our customers as well as a forward-looking and careful consultation are our highest priority. For this reason, we are not subject to any internal or external requirements when making investment decisions and developing investment strategies, but act freely and exclusively in the interests of our clients. Experience, expertise, commitment Whether in Berlin, Frankfurt, Hamburg, Hanover, Stuttgart or Munich: Many of our wealth specialists are also co-owners of LUNIS. Together with our entire team, they have proven expertise, extensive experience, and have already worked together successfully in wealth management for decades. Strong partners at our side UBS Europe SE, V-Bank, Comdirect and Berenberg act as custodians for LUNIS.

Vericity

Private Equity Round in 2017
Vericity provides life insurance protection targeted to the middle American market. The company differentiates Its product and service offerings through innovative product design and sales processes, with an emphasis on rapidly issued products that are not medically underwritten at the time of sale.

Banca Privada d'Andorra, SA

Merger/Acquisition in 2016
Banca Privada d'Andorra, SA provides banking services in Andorra, Luxembourg, and Panama. It offers private banking services, such as equity planning, investment funds, and online and telephone banking services. The company also provides personal banking services, including savings accounts, financing solutions, credit cards, and insurance solutions. In addition, it offers corporate banking services, such as savings accounts, financing accounts, group insurances, and e-commerce and distance banking services. Further, the company, through its subsidiaries provides advisory services in securities investment, trading, and custody; and international management and investment services. Banca Privada d'Andorra, SA was formerly known as Banca Cassany, SA and changed its name to Banca Privada d'Andorra, SA in 1994. The company was founded in 1958 and is based in Les Escaldes, Andorra.

UK General Insurance

Merger/Acquisition in 2017
UK General Insurance provides personal lines insurance products and services for brokers. It offers property insurance services for buildings and contents, caravans, home emergency, let property, property excess protection, and tenant/student contents; insurance for leisure and lifestyle sectors, such as computers, cycles, events, gadgets, handbags, keys, mobile phones, and weddings, as well as lifestyle excess protection and pet cash plans; financial loss insurance; warranty insurance for brown and white goods, furniture and carpets, motors, and multi-appliances; and income protection insurance services, such as loan and mortgage payment protection, and rent guarantee. UK General Insurance also provides travel insurance, including annual multi-trip, long stay, and single trip; motor financial insurance services for breakdown and recovery, GAP, helmets and leathers, in-vehicle gadget, mis-fueling, MOT, motor excess protection, scratch and dent, tools in transit, and tires and alloy wheels; and personal accident insurance services. It began operation in 2002, with its headquarters in Leeds in the United Kingdom as a subsidiary of Primary Group as of April 17, 2014.

Chi-X Global Holdings

Merger/Acquisition in 2016
Chi-X Global Holdings, a global operator of technologically advanced alternative market centers and a provider of innovative market level trading solutions

Jefferson Capital

Acquisition in 2018
Jefferson Capital is an industry-leading provider of traditional and unique recovery services for consumer charged-off accounts. Their clients include creditors and national debt buyers. They offer services such as a Payment Rewards Collections Program, purchasing and servicing of secured and unsecured bankruptcies, as well as traditional purchasing of distressed portfolios.

Endeavour Insurance Services Ltd/SSL Insurance Brokers Limited

Merger/Acquisition in 2018
As of July 31, 2018, Endeavour Insurance Services Ltd/SSL Insurance Brokers Limited was acquired by J.C. Flowers & Co. LLC. Endeavour Insurance Services Ltd/SSL Insurance Brokers Limited represents the combined operations of Endeavour Insurance Services Limited and SSL Insurance Brokers Limited in their sale to J.C. Flowers & Co. LLC. Endeavour Insurance Services Limited and SSL Insurance Brokers Limited provides insurance brokerage services. The companies are based in the United Kingdom.

Banca Comerciala Carpatica S.A.

Merger/Acquisition in 2015
As of May 1, 2017, Banca Comerciala Carpatica S.A. was acquired by Patria Bank S.A.. in a reverse merger transaction. Banca Comerciala Carpatica S.A. provides banking services to retail and corporate customers in Romania. It operates through Individuals, Legal Entities, and Treasury Activity segments. The company offers current and saving accounts, and term and other deposits; and loans comprising prosper, auto, healthcare, education, cash collateral, installment, refinancing solution, and modernizing loans, as well as loans without mortgage and loans for unincorporated area terrain acquisition. Its loan portfolio also includes loans for the purchase of agricultural lands; investment loans; overdrafts; credit lines; working capital loans; loans on commercial documents; and loans to local collectivities, as well various financing solutions and bridge loans. In addition, the company offers credit and debit cards; money transfer services; Internet banking services; and investments funds. Further, it provides settlement services; foreign exchange; asset management; credit and fund management consulting; cash management services; financial and investment consulting; and financial and treasury services related to investments, asset and liability management, financial investment management, and brokerage. Additionally, the company offers traditional banking services and products, including payment orders, documentary transactions, and issuance of letters of credit and guarantees. As of December 31, 2014, it operated through a network of 127 units, including 57 branches, 48 agencies, and 22 working points. The company was founded in 1999 and is headquartered in Sibiu, Romania.

iLending

Acquisition in 2021
iLendingDIRECT is a financial services company provides refinance and auto loan services.

Ariel Re Bda Limited

Merger/Acquisition in 2020
Ariel Re Bda Limited provides reinsurance services. The company was incorporated in 2012 and is based in Pembroke, Bermuda. Ariel Re Bda Limited operates as a subsidiary of Argo Group International Holdings, Ltd.

Piraeus Bank Romania SA

Merger/Acquisition in 2017
Piraeus Bank Romania SA provides various banking products and services in Romania. The company offers retail banking products and services, including current and savings accounts, star and term deposits, and savings plans; secured and unsecured, pensioner, home, debt consolidation, home equity, mortgage, and real estate loans, as well as overdrafts; and debit, credit, and salary cards, as well as online banking services. It also provides corporate banking products and services, such as savings and current accounts; factoring, payment orders, finance leasing, fees and commissions, trade finance, cash sweeps, payroll packages, cash sweeps, financing and treasury services, SME financing, and various cards, as well as medium term, credit.doc, credit line, investment, and agribusiness loans; and overdrafts, working capital loans, investment services, letters of guarantee, and Internet and mobile banking services. In addition, the company offers private banking products and services comprising credit and debit cards, safe deposit boxes, custody and payment processing, trading platform, and online banking services, as well as direct debit, infobank, and telebank services; and investment services. Further, it provides risk management/investment products, such as foreign exchange, interest rate, and other investment products; mutual funds; and research reports, as well as insurance services. The company operates through a network of 101 branches. The company was incorporated in 1995 and is headquartered in Bucharest, Romania.

UK General Insurance

Acquisition in 2017
UK General Insurance provides personal lines insurance products and services for brokers. It offers property insurance services for buildings and contents, caravans, home emergency, let property, property excess protection, and tenant/student contents; insurance for leisure and lifestyle sectors, such as computers, cycles, events, gadgets, handbags, keys, mobile phones, and weddings, as well as lifestyle excess protection and pet cash plans; financial loss insurance; warranty insurance for brown and white goods, furniture and carpets, motors, and multi-appliances; and income protection insurance services, such as loan and mortgage payment protection, and rent guarantee. UK General Insurance also provides travel insurance, including annual multi-trip, long stay, and single trip; motor financial insurance services for breakdown and recovery, GAP, helmets and leathers, in-vehicle gadget, mis-fueling, MOT, motor excess protection, scratch and dent, tools in transit, and tires and alloy wheels; and personal accident insurance services. It began operation in 2002, with its headquarters in Leeds in the United Kingdom as a subsidiary of Primary Group as of April 17, 2014.

AmeriLife

Acquisition in 2015
The AmeriLife Group of companies includes more than 45 individual marketing organizations and agencies, working with over 100,000 independent insurance agents from California to the Carolinas. The company's remarkable growth is the result of vision and innovation, resulting in record expansion, production, sales and profits in recent years.

ELMC Group

Acquisition in 2016
ELMC Holdings, LLC underwrites medical stop-loss insurance and reinsurance products for self-funded health plans in the United States. Its products and services include medical stop-loss coverage, HMO reinsurance, medical excess reinsurance, and prescription drug stop-loss. The company also offers a platform for delivering straightforward solutions to client, broker, TPA, and carrier partners. It offers its products and solutions through a network of insurance professionals. The company was founded in 2012 and is based in New York, New York.

Acuon Capital

Merger/Acquisition in 2015
Acuon Capital Corporation provides various financial services. It offers lease, installment, corporate, investment, and personal financing products. The company was founded in 2006 and is based in Seoul, South Korea.

Inigo

Private Equity Round in 2020
Inigo Limited provides specialty re-insurance and insurance products. The company offers products under property, terrorism and political violence, and financial lines and casualty insurance categories. Inigo Limited was incorporated in 2020 and is based in Bracknell, United Kingdom.

Cabot Credit Management

Acquisition in 2013
Cabot Credit Management Limited provides credit management services in Europe. The company’s services include business process outsourcing, early stage collections, contingent collections, trace services, and litigation, as well as debt purchasing. It serves credit providers, including consumer finance, telecommunications companies, retailers, utility companies, and government agencies; and asset classes comprising secured consumer debt, small and medium sized enterprise debt, and high value accounts. The company was founded in 1998 and is headquartered in West Malling, the United Kingdom. Cabot Credit Management Limited is a subsidiary of Cabot UK Holdco Limited.

Jefferson Capital

Merger/Acquisition in 2018
Jefferson Capital is an industry-leading provider of traditional and unique recovery services for consumer charged-off accounts. Their clients include creditors and national debt buyers. They offer services such as a Payment Rewards Collections Program, purchasing and servicing of secured and unsecured bankruptcies, as well as traditional purchasing of distressed portfolios.

Eurovita

Acquisition in 2013
Eurovita S.p.A. operates in the life insurance market in Italy. Its product line includes investment, savings, retirement, and protection products. It distributes its products through a network of agents, financial advisers, banks, brokers, and securities brokerage firms. Eurovita S.p.A. was formerly known as ERGO Previdenza S.p.A. and changed its name to Eurovita S.p.A. in December 2017. The company was founded in 1989 and is headquartered in Milan, Italy.

Island Finance

Acquisition in 2017
Island Finance Puerto Rico, Inc. operates as a consumer finance company.

ELMC Group

Merger/Acquisition in 2016
ELMC Holdings, LLC underwrites medical stop-loss insurance and reinsurance products for self-funded health plans in the United States. Its products and services include medical stop-loss coverage, HMO reinsurance, medical excess reinsurance, and prescription drug stop-loss. The company also offers a platform for delivering straightforward solutions to client, broker, TPA, and carrier partners. It offers its products and solutions through a network of insurance professionals. The company was founded in 2012 and is based in New York, New York.

Fairstone Services

Merger/Acquisition in 2016
Fairstone is Canada’s non-bank provider of responsible lending solutions for near-prime and non-prime borrowers. With 235 branches coast to coast, Fairstone provides personal loans and home equity loans designed to suit today’s borrowing needs. Fairstone also partners with a wide network of businesses to deliver flexible retail purchase and automotive financing programs. With roots in Canada for over 95 years, Fairstone is committed to making a difference in local communities through support for initiatives focusing on financial literacy and health and wellness, among others.

CFG Bank

Private Equity Round in 2023
CFG Bank is a full-service commercial bank that provides financing to multifamily and healthcare properties nationwide.

Monedo

Series C in 2015
Monedo Holding GmbH offers credit lending solutions through technology. It provides online big data scoring technology and machine-learning algorithms services to make better credit decisions. The company offers Monedo, a customized installment loans and Kredito24 which provides microloans. It offers consumer loans, a digital wallet, and a personal finance manager. Monedo Holding GmbH was formerly known as Kreditech Holding SSL GmbH and changed its name to Monedo Holding GmbH in March 2020. Monedo Holding GmbH was incorporated in 2012 and is based in Hamburg, Germany with locations in Hamburg, Germany; Warsaw, Poland; Bucharest, Romania; Moscow, Russia; Madrid, Spain; and Bangkok, Thailand.