We are looking for 10 students at the London Business School and Insead.
If you are interested,contact us!
this is the one-stop shop for world class education
3 Pillars
Get support to apply at
your dream school.
Get a venture loan to
finance your degree.
Get career counselling to
develop a stellar career.
Why apply for a venture loan?
3 reasons to choose Trusted
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01
FREEDOM
We offer venture loans without collateral or co-signatory. With us, you are free to choose any international career because there is no currency or interest rate risk. Venture loans have an in-built insurance against default and are capped at twice your nominal amount. The repayment plan is linked to your income, a fundamentally different proposition from traditional loans. Do you want to know more? We also provide career coaching post-graduation.
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02
EXTRAORDINARY STORIES
We work to create change. We want our students to do something exceptional with their life. Trusted is not just about education and career, it's a Community. Graduated students are giving the same opportunity to access higher education to other students. Trusted is a Community where Alumni can also provide borderless mentoring across Best-in-Class universities. Your future is a personal journey which is tough to build alone.
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03
A PERSONAL COMPANY
People behind Trusted really care. We are real people who want you to do something extraordinary with your life. Our students are at the beginning of a journey, taking their future on their own hands. However, no future triumph is the work of one person alone. We are here to help you but expect the highest level of integrity in exchange of accessing a community of Best-in-Class graduates. Trusted has a zero tolerance policy for lack of honesty.
The Offer
Indicative terms
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Eligibility
Students from Africa admitted to the MBA program at the London Business School or INSEAD.
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Amount
Up to the tuition fees, minus other financial aid, which are paid directly to the school.
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Interest Rate
None
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Tenor
Ten years but extendable to fifteen if the nominal amount is not paid back.
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Percentage of future earnings
Usually between 5% and 10%, depending on the student profile.
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Early repayments (option)
If the student repays two times the nominal amount borrowed.
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Repayments
You pay if and only if you work. Tax declarations to be submitted yearly.
Main Employers AT LBS AND INSEAD
For a venture loan
Apply NowF.A.Q.
for students
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What is a Venture Loan?
A Venture Loan is a credit line where the student pays back a percentage of her or his future income, usually in the range of 5% to 10%. There are no interest rates charged. The design of the instrument is very similar to the one implemented in Germany at Witten Herdecke University since 1995.
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What is the difference between a Venture Loan and a Standard Loan?
A standard loan charges interest rates which, if floating, can fluctuate across time, and in a currency which is often different from the currency where the student is earning her or his salary. A venture loan is proportional to the gross income of the student and has nothing to do with interest rates. The amount to be repaid increases with the career advancement of the student. Most importantly, if the student does not earn any income, she or he does not pay the debt.
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As a student, which documents do I need to submit?
The student needs to be admitted into the MBA program at the London Business School or INSEAD and submit a credit report. Two references are needed before the funds are disbursed to the school, a family member and an academic person, one of which should be a moral guarantor. Students need also to provide a proof of identity, an address and the last tax declaration.
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Is there a cap on the maximum amount to be repaid?
Yes, there is a cap which is fixed at twice the nominal amount borrowed.
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Where do I get a credit report?
The process for obtaining a credit report differs in each country. If you are unclear of the relevant process, we advise you to reach out to your local bank; they should be able to assist you, or point you in the right direction for the applicable processes in your country. A few links to credit bureau are provided here: Kenya, Mozambique, Nigeria, South Africa, Zambia, Zimbabwe.
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Do I need to translate the documents?
We know a wide range of languages but should translation be required, you are welcome to use a freelance service such as Elance.com provided you include the full name and contact details of the translator.
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Can I request a loan confirmation letter for the visa?
Yes, we will issue a loan confirmation letter which will be issued only if your loan application is completed and finalised.
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How does Trusted provide support to apply at your dream school or to develop a stellar career?
Stacy Blackman Consulting, Trusted Asset Management and Careersinsight are three independent entities which share the same goal: helping students to access Best-in-Class education and launch a successful career. Stacy Blackman Consulting, based in Los Angeles, is a leading MBA admissions advisory firm with a proven track record of acceptances to the world's top MBA programs. Trusted Asset Management, based in Luxembourg, manages a social impact fund which invests into future leaders by providing access to funding. Careersinsight, based in London, is a firm specialised in career coaching and skills training, including leadership development.
Our Stories
Lucas J. CARBONARO (Founder and Managing Partner) worked ten years at the European Investment Bank in coordinating front office operations, and belongs to a family of entrepreneurs in education. Mr Carbonaro holds Master degrees in Statistics, Financial Statistics, Mathematics and an MBA from the Universities of Oxford, London School of Economics, and HEC Paris respectively (with a certification in international business from the Wharton School of Business, Philadelphia, USA). Lucas has always showed a strong interested in social initiatives raising around $150,000 since 2010 mostly in education and as an outcome of several sport challenges.
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Stephan PETERS (General Counsel) is the founding partner of SANZARU, an early-stage investment and corporate advisory firm in Luxembourg. The advisory team creates and implements high-growth strategies. Stephan currently serves as a Director of the Luxembourg Business Angel Network (LBAN) and is involved in various Pan-European start-up and investment initiatives. Previously, he founded T-I-Q, a boutique corporate finance and consulting firm in Dubai, building on his experiences at Delta Partners, Credit Suisse and Rolls-Royce. Mr Peters holds a MSc in Aerospace Engineering from Delft University, an MBA from INSEAD and is also a CFA charterholder.
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Tor FYKSEN (Credit Risk Advisor) was co-founder of two banks, Bankia Bank AS and Advanzia Bank S.A., in which he held the positions of VP Operations and Chief Risk Officer/Chief Operations Officer respectively. Tor has an MBA from the Haas School of Business at Berkeley. He was co-founder of AIESEC at Trondheim College, President of the Norwegian Student Council for economics and business students and, at Berkeley, member of the Dean's Advisory Committee. During his military service Tor was consulting and advising more than 5000 people in educational and career matters. Mr Fyksen is a board member in Advanzia Bank, Globus Equity SICAC SIF and Luxembourg Business Angel Network. He is also a member of the African Business Angel Network, the Venture4Africa Association, and the Norwegian Business Angel Network.
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Roger H. HARTMANN (Chairman) was a Partner of Ernst & Young and served as Chief Executive Officer at UBS Luxembourg and Chairman at UBS Belgium. He has also served as the Chief Executive Officer and Head of Markets at VP Bank Group. He is currently Group Strategy Leader at Fuchs Associates Finance, one of the largest Family Offices in Luxembourg, and he is non-executive member in several Boards. Mr Hartmann is also a Visiting Professor at the University of Basel, Luxembourg School of Finance and the University of Liechtenstein. He graduated from HEC Lausanne, with an MA in Economics, and completed the Advanced Management Program at the Wharton School of Business, University of Pennsylvania. Roger has been Chairman of the Wharton Club Luxembourg.
See on LinkedInLiving and working
in Luxembourg
We are based in Luxembourg, located in between Germany, France and Belgium. Two thirds of the population in the Grand Duchy are foreign born. The financial sector is the largest contributor to the economy with more than one hundred banks, dozens of consulting companies, including the Big Four, and several international law firms. However, many global companies have set up operations in the Country, like Amazon, Apple, China Airlines, DHL, Google, Microsoft/Skype and Siemens. The Grand Duchy of Luxembourg is a leading destination for high skilled workers from all around the world as well as to students enrolling to its young University.
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About Us
Social Enterprise
Trusted is a social impact fund which invests into future leaders.
We provide opportunities for students from Africa to access an elite education. Based in Luxembourg, Trusted applies modern principles of fund management to education and philanthropy to form what we call venture philanthropy. Its creation has been the result of the personal experiences of its founders, who have first-hand experience with the difficulties of accessing a best-in-class education and launching a career under a heavy student debt load.
We believe education is the foundation for social justice and our team wants to make a change in the world. Contact us.