Know what you are funding before you fund it
Every loan on your line carries a certified, evidence-bound record of what it is, what has been verified, and what could prevent takeout. Advance against verified collateral, not represented collateral.
Every day on the line is risk you are warehousing
A loan sits on your line while the buyer re-audits a file that has already been audited. If the buyer kicks it back, the clock resets, the draw ages, and the contingent exposure is yours until someone else owns the asset.
The defects that stall takeout were almost always present before the loan was funded. They surface late because no one could evaluate and use the work done earlier in the chain.
Funded on evidence, cleared for takeout
Before you advance
The loan arrives with an Immutable Trust Record: evidence inventoried, fields validated against source, policy executed, exceptions resolved or flagged. You see precisely what you are funding and what remains open.
While it sits
The record is continuously maintained. If anything changes after closing, the change is detected, versioned, and surfaced immediately rather than discovered in the buyer's re-audit.
At takeout
The buyer can evaluate and use the same record instead of rebuilding trust from the file. Takeout friction shifts from re-review of every field to resolution of the exceptions that matter.
Your book, position by position
Certification state, evidence completeness, and open exceptions are visible for every position on the line, at the loan level and across the book.
Every value traces to its source evidence, the policy version that validated it, and the reviewer or approval behind it. When you evaluate and use the record, you can see exactly what you are working from.
Less dwell. Less doubt.
Buyers can evaluate and use the record instead of re-auditing the file.
Fund against verified evidence, not representations.
Issues surface and resolve before they stall the line.
Know takeout risk on day one, not at kickback.
See your line the way it should be seen
Walk through a live Immutable Trust Record with our capital markets team and see what funding against verified collateral looks like.