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Built with purpose.

We're a team of bankers, investors, technologists and operators united by a belief that community banks deserve better tools to serve growing businesses.

Helping community banks thrive

To empower banks with innovative credit solutions that unlock safe, profitable lending growth.

CollateralEdge creates incremental lending capability without requiring the bank to add capital, technology infrastructure or transaction expense.

Joe Beard standing on a bridge walkway, a cable-stayed bridge behind him

Stronger banks. Thriving communities.

Throughout my career in finance and investing, I've seen how access to capital can transform businesses and the communities they serve. I've also seen how traditional underwriting constraints can prevent good commercial lending opportunities from moving forward.

We founded CollateralEdge with a belief that community banks deserve better tools to support growing businesses without compromising credit quality.

Our vision is to create thriving local business communities served by a strong and flexible community banking ecosystem.

Joe Beard

Co-Founder & CEO

How we work

Our brand pillars

Three principles that shape how we think, operate, and serve our customers.

  • Create Trust

    We earn the respect and trust of our customers through partnership.

  • Deliver Simplicity

    We solve complex problems by making sophisticated solutions easy to use.

  • Drive Growth

    We propel our banks and their customers to drive economic growth.

Executive Team

Experience that makes a difference

Our team combines experience across finance, technology, risk management and community banking with a shared commitment to disciplined execution and customer service.

  • Joe Beard

    Joe Beard

    Co-Founder & CEO

    Joe brings experience across banking, venture capital, technology and the military to CollateralEdge. A former investment banker and venture investor, he has spent much of his career helping companies access capital and grow. He leads CollateralEdge’s strategy, capital formation and vision for transforming commercial lending.

    LinkedIn
  • Bob Peterson

    Bob Peterson

    Co-Founder & COO

    Bob brings decades of executive leadership experience across Wall Street, capital markets, wealth management and fintech. He has led large, complex financial services businesses through growth, transformation and change. At CollateralEdge, he leads operations and execution, helping build the infrastructure, discipline and capabilities required to scale.

    LinkedIn
  • Brad Giddens

    Brad Giddens

    VP, Sales

    Brad is an experienced sales executive with deep relationships across the community banking industry. He brings more than 15 years of experience serving financial institutions, with expertise in relationship development, sales strategy and revenue growth. He leads CollateralEdge’s bank growth and sales execution.

    LinkedIn
“As bankers we need to provide the right loan structure … rather than trying to put clients in a credit box of the bank’s making. CollateralEdge has been a structure enhancement tool for our bank.”

Jeff Wilkinson · Chairman & CEO, Keystone Bank

Jeff Wilkinson

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