Raise 12x faster on the book you already have.
Thirty days to preliminary terms instead of a year of diligence. Connect the lending system once and the package, the borrowing base and every covenant test generate themselves, so five desks read the same book at the same time.
Rafael OrdóñezManaging directorThree facilities closed, each one larger than the last
Five funds in the process, one term sheet on the table
Every coupon and amortisation, from the facility documents
Of every peso on the book, this much a fund will lend against
Working with
96 of every 100 raises die. Almost none of them on credit.
Four ways a process dies, and none of them is credit quality.
Of every hundred approaches, four reach a signed facility.
The first fund defines a list, the second defines a different one, and your finance team rebuilds the same figures in a new shape. The steep drop below is not credit: it sits between opening a file and finishing diligence.
An export assembled by the borrower is not evidence.
A desk that watched three Mexican lenders fail on reporting rather than on losses discounts a self-reported file, and says so. What it will take instead is a tape it can recompute.
Mandate rules most funds out before credit is discussed.
Ticket size, asset class and jurisdiction knock out most desks, but only after the call has been taken. The package goes to the ones whose mandate already covers this book.
The next real look is twelve months away.
Once the facility closes nobody is watching, so the second raise starts from the same low trust as the first. Twelve months of visible behaviour is the asset that changes that.
The book grew 40% while arrears fell. That is the shape that prices a second facility, and it exists only if somebody was reading the tape the whole time.
30 days, not 12 months. And zero of them spent on formatting.
A raise stalls in the same two places every time: assembling the pack, then rebuilding it for the next fund in a different shape. Neither happens here, so the clock only ever runs on decisions.
Four stages closed, and the last one is legal work.
An introduction is not the product.
We prepare and present information about a lending business, and we introduce the parties. We do not decide credit, hold anyone’s money or negotiate the terms. What reaches the fund is your book, read the same way it will be read every month afterwards.
Sends a deck and a phone number.
A deck is a document about a business. It stays whatever the lender chose to put in a spreadsheet, every fund rebuilds it from scratch, and nothing survives the deal.
Connects the book and keeps it connected.
The same reconciled tape answers the first fund and the fifth, then keeps reporting for as long as the facility is outstanding.
Six of seven sources live, fastest refresh fifteen minutes. What a desk reads is the same object the next desk reads.
Three facilities closed on the same connected book, each larger than the last.
| Counterparty | Size | Status |
|---|---|---|
| $14.0M | Active | |
| $8.5M | Active | |
| $5.0M | Repaid |
The second facility priced 140bp inside the first on the same book, because by then the behaviour was on the record rather than in a deck. Figures illustrative.
Every coupon, read from the facility documents.
Connect the system. Approve what leaves.
There is no data room to build and no template to fill in. Two decisions belong to the lender and the platform carries the rest.
Connect the lending system
A read-only connection to the core, or a file where the core cannot open one. Nothing about how you originate or service a loan changes.
Approve what is shared
You choose which desks see the book and at what depth. Borrower identities never leave the lender, and every delivery is on the record.
Answer from the screen
New cuts, stress cases and covenant tests are queries against the connected book, not new work for your finance team.
The book becomes an eligible base in three visible deductions.
Every limit in the draft term sheet.
A package written the way a committee reads one.
Defined by the fund, generated from the tape, delivered in one place with a record of what was sent and when.
Each cohort since the scorecard change ages better than the last.
Read down a column, not across a row: at three months on book the newest cohort sits a third below the oldest.
Commerce and services carry two thirds of the book.
A sector limit is a covenant in most facilities, so the split is drawn rather than listed. Figures illustrative.
Loan tape, reconciled
Every loan with its terms, status and history, tied back to the lender's own accounts, with the breaks listed instead of smoothed away.
Borrowing base certificate
Eligible collateral after each deduction, recomputed from the tape, with the advance rate and headroom drawn against it.
Covenant tests
Every limit tested continuously, including the ones currently outside and the date each cure period ends.
Vintage and cohort curves
Arrears by origination quarter, read down the column, so a scorecard change shows up as a curve rather than as a claim.
Concentration and related parties
Exposure by state, by sector and by connected obligor, drawn against the limit it has to respect.
Counterparty and legal file
Contracts, collateral and corporate documents matched to the loans they belong to, with the missing ones named.
Six questions, and where each answer comes from.
None of these is answered with a sentence. Each resolves to a computed view of the connected book, which is why the second fund asks the same six and finishes faster.
Is the loan book real
Tape reconciled against the lender's own bank statements, every break listed
How has it behaved
Cohort performance by vintage, product and region, built from origination records
Where is it concentrated
Exposure by borrower, sector and state, with the limit and the position side by side
Who is on the other side
Related-party exposure surfaced explicitly, including entities sharing ownership
What happens to the money
Use of funds tracked against what was promised at closing, month by month
Who runs this company
Governance, decision rights and the credit policy as it is actually applied
We do not dress up a book.
If the numbers do not reconcile, that is what the package says. We stopped a financing of our own after our check found the lender was absent from the national registry, and we would rather lose a fee than put our name on a book we cannot stand behind.
We do not lend
No credit balance and no origination. We stand between the book and the people funding it.
We do not decide
The credit decision stays with the investor. Our output is a reconciled view, not a recommendation.
Three borrowers act as one obligor, found on a registry change.
MXN 21.8M against a 15.0M single obligor limit, raised weeks before any of the three missed a payment. Names and figures are demonstration data.
The lender stays in control of what leaves.
Mexican data protection law is the floor here, not the ambition. Each of these is a term in the contract, not a policy page.
Borrower identities never leave the lender
Names, RFC and contact details stay inside your systems. What is shared is pseudonymised at source and aggregated at portfolio level.
You approve each recipient
A desk sees the book because you decided it should, at the depth you set, and that permission can be withdrawn.
Every delivery is logged
What was sent, to whom and on what date, visible to both sides. There is no quiet forwarding.
Read-only by design
The connection to the lending system cannot write to it. Nothing we run can alter a loan record.
Four fields leave, three never do.
Every figure, counterparty and borrower on this page is demonstration data created for illustration. It is not a real portfolio and not a real transaction.
Bring us the book, not a deck.
A first conversation is thirty minutes and needs nothing prepared. If the lending system can be connected, we will tell you on the call what a fund would ask for first and where you stand today.
- ✓No fee until a facility closes
- ✓Read-only connection, borrower data stays with you
- ✓We say no when the mandate does not fit