Platform

One Platform. The Entire
Securitization Lifecycle.

Four integrated modules covering every step from loan tape ingestion to investor reporting. Replace fragmented tools and manual processes with a single, unified platform.

Module 01

Data Ingestion & Validation

Clean data is the foundation of every successful deal. finëtic automates ingestion, validation, and normalization so your tapes are always deal-ready.

Multi-Channel Ingestion

Automated loan tape ingestion via REST API, SFTP, or bulk CSV/Excel upload. Support for all major LOS/LMS formats out of the box.

Data Normalization

Automatic field mapping and normalization across origination systems. Consistent schema regardless of source format.

300+ Validation Rules

Asset-class-specific validation rules catch data quality issues before they derail a deal. Range checks, cross-field logic, and format validation.

Exception Handling

Automated cure workflows for failed validations. Track exceptions, assign remediation tasks, and monitor resolution in real time.

Quality Scoring

Real-time data quality scores at the tape, loan, and field level. Identify problematic loans before they hit the pool.

Module 02

Warehouse Facility Management

Manage multiple warehouse facilities from a single dashboard. Automate borrowing base calculations, covenant monitoring, and lender reporting.

Multi-Facility Dashboard

Single pane of glass across all warehouse facilities. Monitor utilization, availability, and performance in real time.

Automated Borrowing Base

Real-time borrowing base calculations using your facility's eligibility criteria. Auto-generate borrowing base certificates.

Covenant Compliance

Continuous monitoring of all financial and portfolio covenants. Early warning alerts before potential breaches.

Draw Request Automation

Generate draw requests with supporting documentation automatically. Reduce processing time from days to hours.

Concentration Tracking

Real-time tracking of geographic, borrower, and product concentration limits across all facilities.

Automated Lender Reporting

Generate and distribute periodic lender reports with portfolio performance data, stratifications, and compliance certifications.

Module 03

Securitization Engine

The analytical core of finëtic. Model deal structures, optimize tranching, stress-test waterfalls, and generate rating-agency-ready packages — all in one engine.

Pool Selection Optimization

Algorithms select the optimal pool to maximize proceeds while meeting rating agency criteria, investor preferences, and regulatory requirements.

Waterfall Modeling

Full cash flow waterfall modeling with support for sequential pay, pro-rata, turbo, and hybrid structures. Instant re-runs on parameter changes.

Tranche Structuring

Optimize tranche sizes, credit enhancement levels, and coupon rates to maximize execution proceeds and meet target ratings.

Stress Testing

Run base, downside, and severe stress scenarios across default, prepayment, and recovery assumptions. Rating-agency-calibrated scenarios included.

Rating Agency Packages

Auto-generate data tapes and submission packages formatted for S&P, Moody's, Fitch, DBRS, and KBRA. Eliminate weeks of manual preparation.

Legal Document Support

Structured data feeds for PSA, indenture, and offering memorandum generation. Accelerate legal document preparation and review cycles.

Module 04

Investor Distribution & Reporting

Close the loop with institutional-grade investor management. From deal marketing to ongoing reporting, everything investors need in one place.

White-Labeled Investor Portal

Your brand, your portal. Give investors secure, self-service access to deal documents, performance data, and reporting.

Deal Marketing & Roadshow

Digital deal marketing tools including investor presentations, term sheets, and data room management for each transaction.

Investor CRM & Allocation

Track investor interest, manage allocations, and maintain relationship history across all transactions.

Trustee Reporting Automation

Auto-generate monthly and quarterly trustee reports with payment waterfalls, pool performance, and trigger test results.

Performance Dashboards

Interactive dashboards showing delinquency, default, loss severity, and prepayment curves with vintage and cohort analysis.

Compliance Monitoring

Automated monitoring for Reg AB, EU STS, risk retention rules, and other regulatory requirements across jurisdictions.

Ready to Modernize Your Capital Markets Strategy?

Join the next generation of lenders building scalable funding programs with finëtic.

Or schedule a call with our team