The Competitive Edge in Lending

CollateralEdge™ equips community and regional banks with a real-time collateral solution to enhance commercial loans, while preserving credit quality and driving loan growth.

We Simplify C&I Lending For The Bank

A flexible, on-demand collateral solution that bankers can use to proactively address short-term credit concerns on commercial loan opportunities.

Underwriting Gaps Kill Deals

Good deals fail in credit when short-term underwriting concerns are not addressed, resulting in wasted resources and lost revenue opportunities for the bank.

CollateralEdge Bridges the Gap

CollateralEdge bridges the short-term gap by delivering high quality collateral to the bank, tailored to the amount and duration chosen for the individual loan opportunity.

Re-Envisioning Debt Capital Delivery

Accessing affordable debt can be a hurdle for entrepreneurs. We’re breaking down barriers, helping small and mid-sized businesses secure the bank financing they need to grow.

5

KEY HIGHLIGHTS

  • CollateralEdge is NOT a lender, we provide quality collateral to our bank customers
  • Our focus is C&I lending, currently commercial loans between $100K - $25MM
  • We are industry agnostic so there are no sectors we exclude from coverage
  • Our platform is fast – we can deliver a collateral coverage quote in approximately 10 minutes
  • We can provide collateral coverage for a maximum of 18 months, depending on loan specifics

What Makes the CollateralEdge Platform Unique?

We have built our model to be bank-centric, but we solve lending concerns for both the bank and the commercial borrower.

Our Collateral

Stand-by letter of credit issued by a reputable bank institution. Trusted and reduces counter party risk

Real-Time

We deliver our solution fast, allowing our bank customers to solve credit problems quickly

Short Duration

We solve a short-term problem with
a short-term solution. Initial period typically less than 12 months

Bank Control

Our bank customers manage the
collateral, the loan and the borrower relationship
NO SOFTWARE INTEGRATION AND NO IMPLEMENTATION

Trusted by Leading Community Banks

In 2023, the Independent Bankers Association of Texas (IBAT) unveiled its new fintech accelerator, IBATx, and announced its partnership with CollateralEdge as part of the program. The largest state community banking organization in the nation is adopting and commercializing our solution

Short-Term Underwriting Concerns Kill Good Deals

We can address any short-term underwriting concern that prevents a good commercial deal opportunity from converting into a long-term customer.

Unavailable​ Guarantee​

Weak or unavailable personal guarantee​

Uneven Financial History​

Weak or unavailable personal guarantee​

Asset Lite Airball

Insufficient borrowing base or asset lite businesss

New Industry

Limited bank experience / exposure in a new industry

Customer Concentration

Near-term concentration risk for a growing company

Featured In

We Make Pricing Coverage Frictionless and Easy

  • Access Our Cloud-Based, Proprietary
 Pricing Portal
  • Submit Required Deal Data in Less Than 10 Minutes
  • Real Time Quote Delivered in Less Than 10 Seconds

Get Started Now

Upload your deal data and have a collateral coverage quote in 10 minutes.
ACCESS NOW

Customer Success Stories

Explore customer success stories to learn how community banks are overcoming short-term underwriting concerns, driving loan growth, and achieving more with CollateralEdge.

Replace a Personal Guarantee

CollateralEdge empowered a Louisiana-based bank to eliminate a borrower’s personal guarantee on a $3M line of credit, supporting the client’s recapitalization and growth strategy

Asset-Lite
Business

CollateralEdge helped a Texas community bank fund a $5M line of credit to a renewable energy company, overcoming challenges related to limited collateral.

New Relationship for the Bank

CollateralEdge enabled a Texas commercial bank to finance an $11M acquisition for an industrial products company, securing a new sponsor relationship.

Read the latest insights

INSIGHTS