Capital Markets Infrastructure for the Next Generation of Lenders
finëtic gives emerging lenders programmatic access to securitization, warehouse financing, and investor distribution — without building a capital markets team.
Trusted by innovative lenders and institutional investors
The Capital Markets Gap
Emerging lenders have proven product-market fit. But without capital markets infrastructure, they're stuck paying premium rates and growing slower than they should.
Securitization is a black box
Emerging lenders lack visibility into deal structuring, pricing, and execution. The process is opaque, relationship-driven, and inaccessible without an existing capital markets team.
Infrastructure costs $10M+ to build
Hiring a capital markets team, legal counsel, compliance systems, data infrastructure, and investor relationships takes years and millions of dollars.
Manual processes don't scale
Spreadsheet-driven tape preparation, ad-hoc reporting, fragmented communication with investors and rating agencies. Every deal feels like the first.
The Full Stack for Structured Finance
From loan tape ingestion to investor reporting, finëtic covers the entire securitization lifecycle in a single platform.
Everything You Need to Access Capital Markets
Four integrated modules that replace entire teams of capital markets professionals, legal counsel, and data engineers.
Warehouse Management
Automated borrowing base calculations, covenant monitoring, draw requests, and lender reporting across multiple facilities.
- Multi-facility dashboard
- Concentration limit tracking
- Automated draw requests
Securitization Execution
End-to-end deal structuring: pool selection algorithms, waterfall modeling, tranche optimization, and rating agency data delivery.
- Waterfall modeling engine
- Tranche optimization
- Rating agency submission
Investor Distribution
White-labeled investor portal for deal marketing, document distribution, real-time performance reporting, and allocation management.
- White-labeled portal
- Deal roadshow tools
- Investor CRM
Data & Analytics Engine
Real-time portfolio analytics, stratification tables, loss forecasting, prepayment modeling, and regulatory compliance dashboards.
- Real-time stratifications
- Loss curve forecasting
- Compliance dashboards
Built for Scale, Proven in Production
Purpose-Built for Emerging Asset Classes
finëtic supports the full spectrum of consumer and commercial asset classes with specialized data models, validation rules, and deal structures.
Buy Now Pay Later
Securitize BNPL receivables with structures purpose-built for short-duration, high-velocity portfolios.
Revenue-Based Finance
Access warehouse and term funding for merchant cash advances and revenue-based lending portfolios.
Consumer Installment
Standard and non-standard consumer loan securitization with automated stratification and loss modeling.
Auto Finance
Prime, near-prime, and subprime auto loan ABS with VIN-level data validation and residual modeling.
Student Loans
Private student loan securitization with income-driven repayment modeling and school-level analytics.
SBA / Small Balance Commercial
SBA 7(a) and small balance commercial loan securitization with government guarantee tracking.
Residential Mortgage (Non-QM)
Non-QM RMBS with bank statement, DSCR, and asset depletion loan modeling and compliance checks.
Equipment Finance
Equipment loan and lease securitization with residual value modeling and asset depreciation tracking.
From Origination to Issuance in Four Steps
What used to take 18 months and a team of 10 now takes weeks with finëtic.
Connect
Integrate your loan management system via API or bulk upload. finëtic ingests, validates, and normalizes your loan tape data automatically.
Structure
Our engine models deal structures, optimizes tranching, stress-tests waterfalls, and generates rating agency-ready packages.
Execute
Access our network of warehouse lenders and ABS investors. Distribute deals through our institutional-grade investor portal.
Monitor
Real-time portfolio surveillance, automated trustee reporting, investor communications, and compliance monitoring — all in one dashboard.
Built for Developers and Capital Markets Teams Alike
Programmatic access to the entire securitization lifecycle. Model deals, submit loan tapes, query analytics, and trigger executions — all through a clean, well-documented API.
400">const deal = 400">await finetic.deals.create({
name: 300">"FNTIC 2025-1",
assetClass: 300">"consumer_installment",
poolCriteria: {
minFICO: 660,
maxDTI: 0.43,
vintageRange: [300">"2024-01", 300">"2024-12"],
},
tranches: [
{ name: 300">"A", targetRating: 300">"AAA", targetSize: 0.80 },
{ name: 300">"B", targetRating: 300">"A", targetSize: 0.12 },
{ name: 300">"C", targetRating: 300">"BBB", targetSize: 0.05 },
{ name: 300">"R", type: 300">"residual", retained: true },
],
});
console.log(deal.execution.projectedCoupon);
600">// { A: 5.25, B: 6.75, C: 8.50 }
console.log(deal.execution.estimatedProceeds);
600">// $187,500,000Trusted by Innovative Lenders
“finëtic took us from our first warehouse line to our first ABS deal in under 6 months. We would have needed 3 more hires and 18 months to do it ourselves.”
Sarah Chen
VP of Capital Markets, Emerging BNPL Lender
“The transparency and speed is unlike anything we've seen in structured finance. We can model a deal in hours, not weeks.”
Michael Torres
CFO, Revenue-Based Finance Company
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