Secured term loans and working-capital facilities for businesses, run on the same platform as the rest of your book: financial analysis, credit committee approvals, security creation, tranche disbursal and repayment structures built around the borrower’s cash flows.
Facility proposal with borrower group, purpose, amount and security offered.
Financial statements spread into standard ratios and cash-flow views.
Credit committee workflow with delegated powers and recorded decisions.
Collateral, guarantees and charge creation tracked to completion.
Drawdowns released in tranches against conditions precedent.
Covenants, reviews and renewals tracked for the life of the facility.
Balance sheet, P&L and cash-flow data captured in a standard format, with ratios and trends computed for the credit note.
Delegation-of-powers matrices, committee notes and recorded approvals, with every decision and condition kept on file.
Property, receivables, guarantees and other security recorded with valuations, charge status and renewal dates.
Drawdowns released only after conditions precedent are marked complete, each posted to the ledger.
Moratoriums, step-up, bullet and balloon schedules configured per facility rather than forced into a standard EMI.
Financial covenants, stock statements and annual reviews scheduled, with alerts before they fall due.
See a term-loan facility move from proposal to first drawdown on Finpage.
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