• 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

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

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.

LIMITED PERSONAL GUARANTEE

UNPROVEN​ GROWTH ​INITIATIVE

END MARKET CONCENTRATION

CUSTOMER ​CONCENTRATION

ASSET - LITE ​BUSINESS

UNCERTAIN M&A​ SYNERGIES

SHORT TERM IN NATURE

DIFFICULT TO QUANTIFY

HIGH LOSS IN THE EVENT OF DEFAULT

The credit officer is forced to protect against downside loss by substantially restricting the credit line offered or outright rejecting the loan and losing the borrower’s business.

Are you a bank reviewing middle market deals with these characteristics? Our solution will help you better address your customers' borrowing needs while leaving you in complete control.

PROPRIETARY TECHNOLOGY PLATFORM

The CollateralEdge Pricing Portal is designed to deliver efficiency, accuracy and scale for our bank customers.

Proprietary algorithm incorporating moody's analytics RiskCalc data

Price Multiple Scenarios Seamlessly

Secure Cloud-Based delivery

Seamless integration within a bank's workflow

No Customer identifiable information required

Firm Quote Process for Certainty of Close

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BANK-CENTRIC VALUE PROPOSITION

WIN / KEEP BUSINESS

A flexible tool to increase
attractive loan opportunities
with appropriate risk mitigation

IMPROVE ECONOMICS

Helps build and foster
profitable lending
relationships

BANK CONTROLLED

Bank controls the loan
and whether to maintain
coverage

IMPROVE RISK RATINGS

High quality collateral may
improve risk rating outcomes
and impact reserve requirements

SATISFY CUSTOMER

Positions the bank as the solution
provider and strengthens the
customer relationship

SERVE COMMUNITY

Supports local communities and
small business opportunities,
including CRA loans

Our Team

Coming together is a beginning,

staying together is progress,

and working together is success.

Henry Ford

Joe Beard

Chief Executive Officer

Joel Radtke

President & COO

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