Bank on Us for Complex Commercial Credit
Launch structured business loans, revolving credit facilities, and specialized products with centralized risk management and automated compliance.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Centralized Commercial Credit Management
Manage the entire commercial lending portfolio, from due diligence and collateral management to advanced servicing, on a single, unified platform. Our engine provides the flexibility required for structuring bespoke financing deals rapidly.
Rapid Product Template Deployment
Utilize pre-configured, regulatory-aware commercial loan templates to drastically accelerate the time-to-market for new credit products.
Comprehensive Collateral Management
Track, value, and manage diverse collateral types (real estate, inventory, invoices) in real-time within the core ledger for precise loan-to-value (LTV) ratios.
Integrated Borrower Financials
Automatically pull and validate external borrower financial data (e.g., accounting software, bank statements) to streamline application review and risk scoring.
Enterprise Risk Modeling and Regulatory Control
Commercial lending requires rigorous due diligence and continuous risk monitoring. Our module provides advanced tools for collateral tracking, regulatory reporting, and internal audit controls across the entire portfolio.
Comprehensive Collateral Management
Track, value, and manage diverse collateral types (real estate, inventory, invoices) in real-time within the core ledger for precise loan-to-value (LTV) ratios.
Automated Due Diligence Workflow
Streamline the origination process with automated financial document ingestion, external data validation, and integrated borrower risk scoring.
Structured Regulatory Reporting
Generate granular, auditable reports on large loan exposure, concentration risk, and regulatory capital requirements specific to commercial books.
Advanced Servicing and Portfolio Optimization
Handle mid-term adjustments, complex payments, and syndication with ease. Our servicing tools ensure continuous portfolio health and flexibility for both you and your commercial clients.
Flexible Structuring & Syndication
Configure and service complex credit structures, including syndicated loans, multi-tranche facilities, and customized repayment schedules with ease.
Automated Covenant Monitoring
Establish and automatically track borrower covenant requirements, triggering alerts or actions if predefined financial health thresholds are breached.
Mid-Term Adjustment Engine
Efficiently process mid-term loan modifications, such as restructures, commitment changes, or collateral swaps, while maintaining perfect ledger integrity.