RE-ENVISIONING DEBT CAPITAL DELIVERY
RE-ENVISIONING DEBT CAPITAL DELIVERY
RE-ENVISIONING DEBT CAPITAL DELIVERY

Our goal is to deliver less friction, reduced cost and better execution in every transaction!

CollateralEdge is an innovative fintech platform that provides community and regional banks with a flexible, automated risk management solution to strengthen the credit profile on individual corporate loans. We create attractive, risk-mitigated lending opportunities for banks while reducing friction and borrowing cost for small and mid-market businesses.

“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete.”

Buckminster Fuller

EXPERIENCE YOU CAN TRUST

Joe Beard and Joel Radtke have over 40 combined years of expertise across investment banking, private equity and venture capital. They have executed billions in debt transactions across various industries for startups to the Fortune 500 alike. Through the course of this experience, they identified structural issues that particularly plague middle market lending.

The structural inefficiency in middle market debt capital delivery drives increased complexity and cost for corporate borrowers. Our team has experienced this as advisors and operators and still has the scars to prove it! This is what led us to create CollateralEdge. While many middle market lending solutions today are circumventing the bank, we have chosen to partner with banks. Our solution will enable banks to better address their customers’ borrowing needs while delivering unparalleled efficiency and reduced cost.

OUR VISION

CollateralEdge is committed to reducing the cost and barriers for small and mid-sized businesses to access bank financing – turbocharging the future growth of the US economy.

Core Tenets

CollateralEdge will transform and disrupt middle market lending by bringing innovation and structural efficiency to debt capital delivery.

REDUCE COSTS

Eliminate unnecessary frictional and structural costs for borrowers. Increase credit availability to quality companies with strong credit statistics.

BANK CENTRIC

Create flexible solution for banks to offset short-term collateral deficiencies. Expand C&I lending and help banks to retain good customers.

RISK MANAGEMENT

Preserve lending within the community and in line with prudential requirements. Better protections for banks and borrowers.

THE PROBLEM WE ARE SOLVING

Credit officers face a consistent array of challenges when assessing the risk of loss in middle market credits. In many cases, the core credit metrics are sound, but the bank faces downside risk due to limited residual hard collateral support in the business.