Compete with private credit
Your best commercial clients, entrepreneurs and business owners, are asset-rich but cash-constrained. They hold wealth in their businesses, in real estate, in private funds, and increasingly in cryptocurrency. When they need capital, private credit funds and alternative lenders are actively targeting them. Pledged-asset lending lets you serve them first, retain the deposit relationship, and secure the operating account.
Serve your best commercial clients
True Lender Compliance
Your bank makes all credit decisions and owns all loans. We provide valuation methodology and legal perfection infrastructure. When examiners ask who the lender is, the documentation structure provides the answer.
OCC Examination Support
Third-Party Risk Management packages, Model Risk Management validation aligned with OCC Bulletin 2011-12, and Fair Lending analysis generated on demand. Documentation exists because the examiner will ask.
Higher Margin
Alternative asset-backed loans command premium rates while maintaining conservative LTV ratios. The spread between secured and unsecured reflects the risk differential. Your institution captures that spread.
The assets your commercial clients hold
Entrepreneurs and business owners accumulate wealth in forms that traditional banking systems cannot recognize or value. We provide the valuation methodology that makes those assets visible and lendable.
Retain deposit relationships
When your best commercial clients need capital, they have options. Private credit funds are actively targeting the businesses you serve. Alternative lenders promise speed but deliver regulatory ambiguity. By lending against existing assets, you retain the deposit relationship, secure the operating account, and deepen the commercial relationship.
Examination Ready
Every pledged-asset loan comes with complete documentation for OCC examination. Third-party risk management, model validation, and fair lending analysis generated at origination, not assembled after the fact.