The credit function behind your capital, scoped to how you lend.
Every engagement starts with a short intake call at no charge and is scoped in writing before work begins. What you need depends on how much of the credit function you want to run yourself and how much you want us to run for you, so we scope each engagement to your operation.
Portfolio Management
White Label Portfolio Management
For lenders, note investors, and funds that have raised or committed capital and need a credit operation behind the portfolio. We supply the credit function under your brand, scaled to what you need. You keep your investors and your name. We bring the institutional credit work. You decide how much of it to hand off, and you can move up the levels as the portfolio grows.
Advisory
Periodic credit and structure guidance, portfolio review, and a second read on the loans that are starting to turn. For operators who run their own process day to day and want a trained credit professional on call to check it.
Portfolio Management
Ongoing monitoring of the portfolio, servicing oversight, reporting support, and workout and default management as loans turn. For operators who want the portfolio watched by someone who knows what the early signs of trouble look like.
Complete Portfolio Management
The entire credit function, end to end, under your brand: written credit policy, deal underwriting, portfolio monitoring, and default and workout management. For operators who want the credit operation run for them so they can focus on capital and relationships.
Credit Policy and Underwriting Templates
A separately scoped engagement for operations and funds that need their underwriting written down: a credit policy tailored to your mandate and underwriting templates built to your lending profile. A written credit policy is what turns a collection of one-off decisions into an operation you can staff, scale, and show to investors. It stands on its own, and it is the foundation of the complete portfolio management level above.
Deal Review and Credit Underwriting
Deal Review and Credit Consultation
Who it is for
Private lenders and self-directed IRA lenders evaluating a specific loan before funding, note investors evaluating a single note, and lenders with concerns about a loan already on their books. Most clients start here.
What is included
- Borrower credit analysis, including an independent tri-merge credit pull with the borrower’s signed authorization; the borrower pays for the pull directly
- Collateral review against comparable sales and market data
- Loan to value and debt service coverage assessment
- Loan structure, position, and exit analysis
- Underwriting blind spot identification
- A written recommendation: Proceed, Proceed with Conditions, or Do Not Proceed
What you receive
A written recommendation report, typically about seven pages, structured the way a bank credit file is structured, delivered within 2 to 3 business days of a complete package and usually faster. You fund with confidence, restructure the deal, or walk. Either way, the decision is documented and defensible.
The Review Bundle
For lenders and note buyers doing volume who want deal review on a standing basis. Bundle clients also join our standing weekly call, 48 weeks a year, where volume clients bring live situations to the group and everyone learns from every answer.
Monthly Consulting Retainer
For active lenders and portfolio operators with recurring deal flow who want a credit professional embedded in their process. The retainer covers deal review as loans come across, availability for ad hoc credit and structural questions, and workout consultation when a loan turns. A named credit resource in your corner, on call, who already knows your portfolio.
Note Portfolio Due Diligence
For note buyers evaluating a pool acquisition, bidding a tape, or managing an existing nonperforming portfolio. Pre-acquisition tape review, borrower status assessment on nonperforming notes, re-performance probability analysis, collateral value and exit analysis, workout and disposition strategy per note, and pricing and bid development support. You learn what the portfolio is actually worth, which notes are likely to re-perform, and which need another path, and then you bid accordingly or walk away.
How engagements work
Every engagement starts with the intake call and is scoped in writing before any work begins. You will know exactly what we are doing and what it costs before we start. Our recommendation is never contingent on the deal closing; we tell you to proceed or to walk based on the credit, and nothing else. One thing said plainly: no underwriting eliminates risk completely. What sound credit work does is make sure the risks you take are the ones you saw and priced.
Not sure which engagement fits?
Start with the intake call. Ten minutes, no charge. You tell us what you have raised, how you are lending it, and what prompted the call, and we recommend the engagement that fits. If we are not the right resource, we will tell you.