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.
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.
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.
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.
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