What is CollateralEdge™
An innovative solution to short-term credit concerns
CollateralEdge is redefining how community banks grow commercial lending and manage credit risk. Our BankersEdge™ platform delivers Synthetic Insurance — a collateral enhancement solution that strengthens underwriting, protects credit quality and empowers bankers to confidently close more deals.
Federal Reserve Bank of Cleveland
Why we exist
There is no perfect commercial loan
The commercial lending process is inherently complex and time intensive. Often times, strong businesses can present short-term underwriting concerns that prevent otherwise attractive commercial loans from moving forward. The result is lost revenue, wasted resources and frustrated borrowers.
Loan-to-value mismatch
Customer concentration
Industry exposure
Weak personal guarantee
Uneven financial history
Collateral limitations
Common short-term underwriting challenges across the loan pipeline.
Why CollateralEdge
Designed for Community Banks
BankersEdge enables community banks to evaluate, price and obtain Synthetic Insurance in real time—providing additional collateral through a standby letter of credit to address short-term underwriting concerns.
Complex Lending
Elegantly Simplified
The Solution
A New Tool For Commercial Lending
We provide a secure, repeatable platform to instantly price and deliver our Synthetic Insurance (contract + hard collateral) — addressing short-term underwriting gaps at the point of decision.
More Loans & Deposits
Convert more qualified opportunities into customer relationships.
Better Credit Outcomes
Address underwriting concerns without compromising credit standards.
A Competitive Advantage
Give bankers another way to solve difficult credits.
No Core Integration
Easy to implement. No core or LOS integration required.
Institutional-Grade Collateral
Clean standby letter of credit from a $30B+ regional bank.
Point of Decision Pricing
Evaluate collateral options while the loan is being structured.
How it works
How does it work?
- 01
Start within your existing workflow
Use BankersEdge alongside your existing underwriting process—no core integration or change to your credit process required.
- 02
Enter the loan information
Provide borrower, financial and loan structure information already gathered through the bank’s underwriting process.
- 03
Set the collateral structure
Select the requested collateral amount and coverage period based on the needs of the credit.
- 04
Receive pricing and move to close
Review your collateral pricing, request a Commitment Letter and proceed through your normal loan closing process.
Why banks choose us
Enterprise underwriting and execution software that pays for itself in a single transaction.
- 01Unlimited deal structuring and pricing
- 02Continuous underwriting & pricing intelligence
- 03Instant execution at point of decision
- 04Access to proprietary deal flow
By the numbers
Proven in the market
- $20M+Collateral issued
- $150M+Loan volume quoted
- 50+ bankson the platform
Trusted Partners
Backed by strong relationships
“CollateralEdge provided me with several options to satisfy our credit committee’s requirements on deal structure and timing – while keeping the borrower on track to complete their acquisitions. CollateralEdge was the competitive edge for Woodforest to get this deal done.”
Bill Ragle · Executive Vice President, Woodforest National Bank
:quality(82))
Give your bankers another way to say yes.
See how CollateralEdge can help your bank close more good commercial loans while preserving credit quality and valuable borrower relationships.