See the book before the meeting, not after the third one
Every lender you fund, measured on one standard, so the pipeline sorts itself and a no arrives in days. The lender pays for the platform; your cabinet, the monthly pack and the alerts cost you nothing.
Three books are converging, one is walking away from the pack
Portfolio managerAt the fundOne book has moved the wrong way every single month
Almost a tenth of what you funded cannot be graded at all
Working with
You are asked to price books you are not allowed to see.
A non-bank lender arrives with a deck, its own export and a story. Everything you would need to rank it against the last three is exactly what nobody can give you.
You cannot judge the portfolio, only the presentation
The evidence on the table was assembled by the party asking for money. It is not wrong on purpose, it is simply not something you can verify or recompute.
Every lender presents differently
Four books arrive in four formats with four definitions of arrears. Placing them side by side is a modelling exercise before it is a credit decision.
Credit committee runs on documents that are already old
By the time a pack reaches the committee it describes a quarter that closed. The questions that come back start another cycle of requests.
What sourcing and monitoring cost you today.
A fund does not lack capital or opportunities. It lacks a way to see enough, early enough, to say yes or no quickly and be right.
Origination is manual and mostly cold
Lenders are found through brokers, conferences and introductions, and most of what arrives was never going to fit the mandate.
Diligence is bought per deal
External review, local counsel and an accountant, commissioned again for every name, at a cost that only makes sense on the deals that close.
After the money goes out, the book goes quiet
A quarterly pack in the borrower's own format, arriving late, in a shape that cannot be compared with the other three you funded.
Nothing warns you between reviews
A covenant that broke in week two is discovered in month three, which is a different conversation from the one you would have had in week two.
The committee asks and the cycle restarts
One question the pack did not anticipate sends the deal back for weeks, and the answer arrives describing a period that has since closed.
Effect gives a fund the book, not the pitch.
Lenders connect their systems to raise capital. You read what that connection produces: measured books, on one standard, with the reporting already running before you have committed anything.
Working with
A pipeline of measured lenders
Non-bank lenders whose books are already connected and read the same way. You see the portfolio before the conversation, not after the third meeting.
Underwriting on request
Name a lender you are considering, whether it came from us or from your own pipeline, and we return the package a credit committee asks for, rebuilt from their systems.
Four books on one standard
The same checks run on every lender, which is the only reason arrears spreading from 3.9% to 6.9% across four books lent on similar terms is visible at all.
Reporting that arrives without chasing
One template, the same tape, the first business day. Four packs you can actually put beside each other rather than four PDFs you cannot.
An alert the day a book moves
A covenant breach, a concentration drift or a related party finding reaches you when it happens, not at the next review, and not from the borrower.
What the lender cannot show you itself
Registry matches, feed coverage and the unmeasured share of a book are things no lender can present about itself credibly. Here they are simply measured.
The grey band is the share nobody can grade. No lender presents that about itself.
You do not implement anything.
There is nothing to install and nothing to connect on your side. The lenders you fund connect their books, and your cabinet is what that produces.
Tell us the mandate
Asset, ticket size, geography and the tests your committee cares about. That is the whole configuration.
The cabinet opens
Lenders already on the platform whose books fit, with the portfolio visible before any conversation begins.
Request a check
Name a lender from your own pipeline. We connect what we can and return the full package on it.
It keeps reporting
Once you fund a lender, the monthly pack and the alerts continue for as long as the money is out.
What changes for a fund.
The same names, the same mandate, and a completely different speed at which you can say yes or no and be right.
Committee runs on current data
The pack describes the book as it is this week, so the questions that come back are about credit rather than about vintage.
Deal flow you did not have to source
Lenders arrive already measured, and you see the portfolio before the first meeting rather than after the third.
You can finally rank
One standard across every book means the pipeline sorts itself, and the good ones stop getting lost among the rest.
A faster no, which matters more
Most of the value is in declining quickly and cheaply. Seeing the book first means the ones that will not work end early.
No surprises between reviews
The day a covenant breaks you know, with the loans behind it, rather than reading about it a quarter later.
Nothing to pay and nothing to run
The lender pays for the platform. The cabinet, the monthly pack and the alerts come with it.
Every screen you would be working in.
These are the real screens, not a mockup of them. Counterparty and borrower names are demonstration data.
Your whole position on one screen
Deployed against committed, weighted arrears across every book, where the capital ended up and what needs a decision.
- Every lender you funded, one screen
- Weighted arrears across the whole position
- The items that need a decision this week
Everything a committee asks for. Nothing it did not.
The parts that do the work, described plainly. No model names, no dashboards you will never open, just the four things a lender and an investor both need.
Reconciliation, not retyping
The tape is read from the lending system and tied back to the lender’s own accounts. What does not agree is listed with the loans that caused it.
One record per loan
Every loan carries its own history from the day it was written, so a closed quarter cannot be tidied up afterwards.
rfc → withheld
name → withheldaggregated at portfolio level
Anonymised by default
Borrower identities never leave the lender. Reporting is built on anonymised, aggregated data, as Mexican data protection law requires.
Delivered where the investor works
A monthly reading over API or as a file, to the recipients the lender agreed to and to nobody else. Every delivery is logged and visible to both sides.
What changes once the books are measured.
Books arrive already measured
The portfolio is visible before the first meeting, so a name that will not work ends in days rather than in weeks.
Four books become comparable
The same checks on every lender is the only reason a spread from 3.9% to 6.9% on similar terms is visible at all.
Committee runs on current data
The pack describes the book as it is this week, so the questions that come back are about credit rather than about vintage.
No surprises between reviews
The day a covenant breaks you know, with the loans behind it, rather than reading about it a quarter later.
What we read from every lender you fund.
Four sources, the same four on every book, which is the whole reason two lenders can be placed side by side.
Every loan with the date it was written, its terms, its status and its history, pulled from the lending system rather than from a summary.
We do not replace the audit.
An audit reads a closed period once a year, and by the audit date the file is in order.
No auditor has the infrastructure to open every application when there are hundreds of thousands of them. The eleven months in between belong to nobody.
Signs the year once it is over.
That signature is the one thing we cannot give you, and we are not trying to. It closes a period that has already happened.
Once a year, on closed quartersHolds the year up to the light while it runs.
Which is the only window in which anyone can still act on what it shows, and the reason an investor keeps lending.
Every day, up to yesterdayEvery figure, counterparty and borrower on this page is demonstration data created for illustration. It is not a real portfolio and not a real transaction.
Book a demo.
Tell us the mandate and name one lender you are watching. We will show you the cabinet you would have on it and what the committee would have seen.
- ✓A live walk through on a real lender
- ✓Underwriting on request for names in your pipeline
- ✓One template across every book you fund