Insights from CollateralEdge

Explore the latest news, conversations, and resources shaping CollateralEdge, Synthetic Insurance and commercial lending.

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Showing all 19

Video production control room with multi-camera monitor wallCase study

Navigating a Complex Media Refinancing Deal

A tight deadline and an equity-conversion structure, resolved with an instant term sheet and $350K in coverage.

$3,500,000Line of credit$350,000Collateral coverage
Aerial view of an active civil construction site with a tower craneCase study

Driving Growth for a High-Potential Construction Firm

Under 18 months old with no inventory to pledge, a $400K letter of credit cleared a $4M line.

$4,000,000Line of credit$400,000Collateral coverage
Interior of a large industrial manufacturing plantCase study

Facilitating a High-Value Sponsor Acquisition

An $11M acquisition, a sponsor with no prior banking history, and a closing deadline that couldn’t move.

$11,000,000Senior loan financing$2,400,000Collateral coverage
Stacked timber logs, byproduct of the wood pulping industryCase study

Supporting Growth for an Asset-Lite Renewable Energy Company

Minimal tangible collateral and a market window that wouldn’t wait, covered 60% by UMB Bank.

$5,000,000Line of credit$3,000,000Collateral coverage
Close-up of precision optical lens elementsCase study

Unlocking Growth by Replacing a Personal Guarantee

Hard-to-value inventory and an unproven growth story, a UMB Bank letter of credit cleared the way to release the guarantee.

$3,000,000Line of credit$2,000,000Collateral coverage
Close-up of a jet engine turbine and fan bladesCase study

Securing a Strategic Partnership in Aerospace

Customer concentration and an uneven post-COVID track record, priced in real time against a UMB Bank letter of credit.

$3,500,000Line of credit$550,000Collateral coverage
Close-up of an electronics circuit board with mounted componentsCase study

Supporting Expansion for a Global Telecom Manufacturer

No personal guarantees, overseas inventory, and a brand-new relationship, collateralized into a $1M line.

$1,000,000Line of credit$400,000Collateral coverage
CollateralEdge raises an oversubscribed $3.5M seed roundPress release

CollateralEdge™ raises an oversubscribed $3.5M seed round

An oversubscribed $3.5M seed round to give regional and community banks a competitive edge in middle-market lending.

PR Newswire
"The Next Fintech Unicorn" — Dallas InnovatesNews

"The Next Fintech Unicorn" — Dallas-Based CollateralEdge Emerges From Stealth

Dallas Innovates covers CollateralEdge's emergence from stealth with $3.5M and a stellar investor group.

Dallas Innovates
CollateralEdge team members receiving an award on stage at the Venture Dallas eventNews

Startup of the Year, Inaugural Awards

Venture Dallas names CollateralEdge among three winners in its inaugural Startup of the Year awards.

Venture Dallas
Phalanx Impact Partners announces a strategic investment in CollateralEdgePress release

Phalanx Impact Partners announces a strategic investment in CollateralEdge

Phalanx Impact Partners announces a strategic investment in the Dallas-based fintech company.

Business Wire
Promotional graphic featuring headshots of five Black founders and investorsNews

Top Black Founders and Investors to Watch

PitchBook names CollateralEdge among the Black founders and investors to watch in 2024.

PitchBook
FinAccelerate, empowered by Jones Day, congratulations graphic for the 2024 cohortPress release

Selected Cohort Company, 2024

FinAccelerate, empowered by Jones Day, names CollateralEdge to its 2024 cohort.

FinAccelerate, empowered by Jones Day
Main Street Banking — Conversation with Joe BeardPodcast

Main Street Banking — Conversation with Joe Beard

Barrett School of Banking's Main Street Banking podcast sits down with Joe Beard.

Barrett School of Banking
CollateralEdge | Woodforest Bank WebinarVideo

CollateralEdge | Woodforest Bank Webinar

A recorded webinar walkthrough with Woodforest National Bank.

Vimeo
Introducing IBATx promotional graphic with a rocket illustrationVideo

CollateralEdge | IBAT Webinar

A recorded webinar for the Independent Bankers Association of Texas.

Vimeo
CollateralEdge | KeyStone Bank WebinarVideo

CollateralEdge | KeyStone Bank Webinar

A recorded webinar walkthrough with KeyStone Bank.

Vimeo
On Point: Eliminating Obstacles and Executing, with Joe BeardPodcast

On Point Podcast: Eliminating Obstacles and Executing with Joe Beard

Joe Beard, co-founder and CEO of CollateralEdge, joins the On Point podcast.

Simplecast
Ridin' with the Fintech Cowboys, featuring Joe BeardVideo

Ridin' with the Fintech Cowboys, featuring Joe Beard

Joe Beard rides along with the Fintech Cowboys for a conversation on the road.

YouTube

Quick answers

What is Synthetic Insurance?

A contract that produces real, bank-grade collateral — priced against the risk, not the borrower.

Who benefits from it?

The bank keeps the loan and the customer. The borrower gets funded. The bank's credit policy doesn't have to bend.

When is it used?

When a good C&I loan is short on collateral, history, or guarantee — not for every deal, just the ones that would otherwise die in credit.

How is pricing determined?

Every deal is scored against defined risk parameters and priced against the risk that's actually there.

What happens if there's a claim?

A defined process, not an open question. See the full claim process.

Why does this work when other options don't?

The loan never changes, the bank stays lender of record, and the borrower pays for it.

Trust & Security

Your trust, our priority

At CollateralEdge, we go beyond compliance — we build confidence. Our commitment to security, transparency, and data integrity empowers you to transact with certainty.

  • SOC 2 Type 2 Compliant

    CollateralEdge maintains a SOC 2 Type 2 certification for the AICPA Security Trust Criteria. The company maintains a robust system of internal controls supported by a sound information security program to protect internal systems and sensitive data. CollateralEdge undergoes periodic audits of its SOC 2 program.

  • Logical Security

    CollateralEdge follows the principle of least privilege, granting employees and contractors only the access needed for their roles. Role-based access controls, strong passwords, and MFA secure critical IT systems, with regular access reviews and formal onboarding, offboarding, and role change procedures in place.

  • Data Encryption

    Sensitive data is secured by encryption in-transit and at-rest using industry standard encryption practices. This means data is encrypted both while it is stored on IT systems and while it is transferred from one system to another.

  • Physical Security

    CollateralEdge applications and supporting infrastructure are hosted in AWS datacenters and protected by AWS's physical and environmental security controls. Amazon ensures physical access is restricted to authorized personnel and that required redundancies are in place.

  • Penetration Testing

    CollateralEdge performs regular penetration testing as part of its Information Security and SOC 2 Compliance programs to improve security posture and remove any vulnerabilities open to attacks or hacking. All vulnerabilities are tracked, appropriately patched, and tested.

  • Amazon Web Services

    The CollateralEdge platform was developed using industry best practices for data security, data storage, and load balancing. CollateralEdge leverages AWS best practices and tools to deploy, manage, and monitor its AWS resources.

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