AIT-Global:
Human Capital & Workforce Finance
We originate and acquire income-linked receivables and revenue-backed exposures from workforce training providers, converting verified outcomes into durable cash flows for accredited investors.
Investor Value Proposition
Cash-flow orientation
Exposure to amortizing receivables and revenue-share instruments with caps and income thresholds that enhance downside protection.
Cycle-aware
Repayments flex with graduate earnings or operator revenues, improving resilience vs. fixed-amortization consumer credit.
Institutional discipline
Underwriting tied to completion, placement, income uplift, and operator unit-economics.
Real-economy impact — without dilution of rigor.
Documented workforce outcomes with standardized reporting.
Strategy
Sourcing
Proprietary partnerships with US operators and servicers; selective secondary purchases of seasoned pools.
Underwriting
Cohort-level performance data, wage benchmarking, stress tests on earnings, servicer quality and continuity.
Structuring
Senior/mezz/first-loss waterfalls, cash-sweep triggers, liquidity reserves, covenants on portfolio quality and operator spend.
Servicing
Independent third-party servicing with SOC-attested controls; contingency/step-in rights.
Diversification
By field (IT, healthcare, skilled trades), channel (employer-sponsored, retail), and instrument (income-linked receivable, RBF).
Senior
Mezz
First-loss
Income-Linked Tuition Receivables
Pools of contracts where repayment starts only above a defined income threshold and is capped over a fixed term.
Revenue-Based Financing to Operators
Senior claims on program revenue streams to support scale-up, content, and compliant acquisition.
Risk Management
Earnings risk
Mitigated via front-end scoring, wage floors, caps, hardship policies, and geographic/sector diversification.
Operator risk
Managed through covenants (retention, completion, placement), reserve accounts, independent servicing, and audit rights.
Regulatory risk
US classification treated conservatively; disclosures assume consumer-credit-style protections; robust KYC/AML and data-privacy controls.
Valuation/collections risk
Conservative discount rates; vintage-level loss curves; monthly surveillance and early-warning triggers.
AIT-TR Inc.
Change your profession.
Change your life.
AIT TR Inc is the parent company behind a group of licensed educational providers across the U.S., Germany, Israel, and Canada. Each brand operates independently but shares the same academic core, tech infrastructure, and mission-driven approach.
AIT by the Numbers:
30+ years of experience in the education industry
4 offices across different countries
1,000+ students enrolled in 2024
50%+ of graduates receive job offers before completing the program.
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Our Schools
🇺🇸 AIT Technology School (USA)
AIT Technology School, licensed by the Florida Department of Education, offers a comprehensive 12-month online program in Full Stack Development, QA Automation, DevOps, UI/UX Design, Data Analytics, and Digital Marketing. The curriculum includes 1,920 academic hours with a strong emphasis on real-world application: students work on practical cases using open data from NASA and SpaceX to develop solutions that simulate real engineering and IT challenges. The school provides American diplomas, and career support designed to help graduates successfully enter the tech industry.
🇩🇪 AIT TR GmbH (Germany)
AIT TR GmbH, based in Berlin, offers intensive, practice-oriented IT training programs designed to prepare students for the international job market. With over 30 years of experience, the school provides courses in QA Automation, Fullstack Development, and Accounting, all accredited by DEKRA and eligible for state funding through Germany's Agentur für Arbeit and Jobcenter. Graduates benefit from career support, internships, and real-world projects integrated into the curriculum.
🇨🇦 AIT TR Inc. (Canada)
AIT TR Inc. in Canada provides 8 to 14-month programs in Fullstack Development, QA Automation, and UI/UX Design, tailored for beginners. The school focuses on delivering up-to-date skills aligned with current job market demands, offering students internships, portfolio projects, and career support services to enhance employability in the Canadian tech industry.
🇮🇱 Tel-Ran (Israel)
Established in 1993, Tel-Ran is a licensed educational center in Israel specializing in programming and software testing courses. The institution offers evening classes, both online and offline, with up to 70% government subsidies available. Students receive guaranteed internships, personalized employment consultations, and certifications recognized by the Israeli Ministry of Labor, facilitating entry into the high-tech job market.
🇩🇪 Kommunikant Berlin (Germany)
Kommunikant Berlin is a certified training and coaching center dedicated to integrating migrants into the German workforce. The center offers courses in professional German language, digital skills, job coaching, and personal development, all fully funded by the Agentur für Arbeit or Jobcenter. Programs are designed to equip participants with the necessary skills and knowledge to secure employment in Germany.