Bring the fund a book it can price, and the facility stops being a negotiation
The diligence pack, the borrowing base and the covenant tests all read from your loan tape, so the answer to every fund question is already on the screen.
The book grew 40% and arrears fell in the same year
Every limit in the term sheet, tested continuously
9.5% of the book is unmeasured, and that is the number that costs you pricing
Head of creditAt the lender33 of 37 items closed, and the fund wrote the list
Corporate and legalFinancials
Loan tape and portfolio data
Credit policy and underwriting
Collections and servicingCompliance and AMLWorking with
Three things stand between your book and the capital it can carry.
You are not short of borrowers. You are short of a way to show a fund what you already have, in a form it can price without spending six months finding out.
Raising capital takes months and starts again every time
Each fund wants the same figures in a different shape. Your finance team rebuilds the package for the second desk, then the third, and the calendar eats the deal before anyone reaches terms.
Diligence never actually ends
The pack you assembled is stale within a quarter, so the next question restarts the work. Nothing you built for the last investor is reusable for the next one.
Analytics is bought again every time you need it
External analysis, an audit, a data room, a consultant to assemble it. Each one is paid for separately, arrives late, and none of them talk to each other.
What that actually looks like inside your company.
None of these is a failure of your team. They are what happens when the evidence about a lending business lives in six places and none of them is the same place a fund looks.
There is no single place the answer lives
The tape is in the core, the cash is in the bank, the contracts are in a drive and the analysis is in somebody's spreadsheet. Nobody sees all four at once, including you.
Every question becomes a project
A fund asks for arrears by origination quarter. That is a week of somebody's life, and by the time it lands the fund has asked something else.
You wait months for an answer you cannot influence
The process runs on the investor's calendar, not yours, and you have no visibility into which stage it is stuck at or why.
You cannot be compared to anybody
Without a common standard a fund has no way to put your book beside another one, and the safe answer to something it cannot compare is no.
After closing, silence
The facility goes dark for a year, so at the next raise you negotiate from exactly the same position as the first time, with nothing new to show.
Effect is the trust layer between a lending book and the capital that funds it.
One platform that structures the deal, reads the portfolio continuously and shows a fund the same thing it shows you. Five products, one connection, no data room.
Working with
Raise capital
Get credit lines faster and without a fundraising project attached. The package a committee asks for is generated from your tape and taken only to desks whose mandate covers your asset.
Diligence that runs itself
The pack refreshes from the tape, so it never goes stale between two funds. We analyse your file and carry last year's audit conclusion forward alongside current data, so underwriting has both.
Watch your own portfolio
The book rebuilt every fifteen minutes, and next to it the thing nobody usually shows you: how a fund, a bank or an investor actually reads your portfolio right now.
See every signal, good and bad
Registry changes, feed gaps, concentration drift, related parties, limits about to break. Raised as they happen, with the loans behind each one, not at the next quarterly review.
Fix what the signals find
Every finding arrives with the positions that caused it, an owner and a clock, so it is a task rather than a surprise. The problem gets closed on the platform, not discovered on a call.
Raised with a named owner and thirteen days of cure period left.
Connect once. Everything after that is ours.
There is no data room to build, no template to fill in and no change to how you originate, price or service a loan.
A call, nothing prepared
Thirty minutes on how you lend, to whom and what the capital would be for. You bring nothing.
We build the connector
Most lenders run software they wrote themselves, so the connector is the work, and it is ours. Read only, one direction, it cannot write to your systems.
You approve what leaves
You choose which desks see the book and at what depth. Borrower identities never leave your systems.
The book is live
The package, the borrowing base, the covenant tests and the monthly reporting all run from the connection, and keep running.
What a lender gets out of it.
Everything below is a consequence of the same change: the evidence about your business stops being something you assemble and starts being something that exists.
One place, not six
The tape, the cash, the contracts and the analysis in a single platform that you and the fund read at the same time.
Answers instead of projects
A new cut, a stress case or a covenant test is a query against the connected book, not a week of your finance team.
You see yourself as they see you
The same screen a fund reads, open to you first, so nothing in the process is a surprise you learn about on a call.
Problems arrive early enough to fix
A limit that goes outside is found on the day, while a cure period is still open, rather than at the next certificate.
A track record that compounds
Twelve months of visible behaviour is the asset at the second raise, and it exists only if somebody was reading the tape all along.
You become comparable
The same checks run on every book on the platform, which is the only thing that lets a fund rank you rather than decline what it cannot place.
Every screen you would be working in.
These are the real screens, not a mockup of them. Counterparty and borrower names are demonstration data.
The whole book on one screen
Outstanding balance, PAR30, the unmeasured share and every open signal, rebuilt from your loan tape every fifteen minutes.
- Twelve months of book and arrears on one axis
- Every covenant in the term sheet, drawn against its limit
- Where the exposure sits, by state, against the facility cap
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 you connect.
Documents stop being the bottleneck
The loan tape is read, reconciled and attached once, instead of being rebuilt for every investor.
Behaviour goes on the record
A year of visible repayment history is worth more at the second raise than any pitch you can write.
Problems surface early
Concentration and related-party exposure appear while there is still time to act on them.
Only mandates that fit
The package goes to desks that cover this asset and this ticket, so the calendar stops filling with wrong meetings.
What the platform actually reads.
Four sources, one reconciled view. Nothing here asks you to change how you originate or service a loan.
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 how you lend and what the capital is for. We will show you the platform on your own numbers and tell you honestly whether the book is fundable today.
- ✓A live walk through on your own portfolio
- ✓An honest read before you spend months on diligence
- ✓We say no when the mandate does not fit