Your products, your way

There’s nothing cookie-cutter about structuring business credit. In fact, the ability to flex to meet customer needs is what gives you a competitive edge.

Credit Core supports virtually any credit product your team can design, from working capital lending staples to complex facilities to simple term loans.

Delight your customers and differentiate your company in a crowded marketplace.

Loan Products Supported

Cash Flow Based

Invoice and Receivables Finance; Overdrafts

Asset Backed

Equipment and Vehicle Financing and Leasing Commercial Mortgages

Term Loans

>1 year

Umbrella Facility

Multi product and/or multi entity

Single Line of Credit

Equipment and Vehicle Financing and Leasing Commercial MorSpecific purpose; single borrowertgages

Asset Based Loans

Any loan using existing borrower-owned assets as collateral

Medium Term Loans

1–3 years

Long Term Loans

4–25 years

Deliver working capital at the speed of business

Cash flow-secured products like receivables finance, invoice finance, discounting, and overdrafts are the backbone of working capital lending. Credit Core lets you deliver them with unprecedented speed and ease in any structure.

Cash Flow-Based Working Capital Products Supported 
Invoice Finance, Debtor Finance and Invoice Discounting
Receivables Finance
Overdraft
Collateral
Single Invoice, Multiple Invoices; Invoices Issued, Invoices Approved; Recourse, Non-Recourse, Limited Recourse; Insurance Wrapped
Partial or Entire Receivables Book; Recourse Agreement; Insurance; Single, Specific or Multiple Obligor
General Security Agreement, Other Assets, Guarantees
Rate type
Floating, Fixed, Discount Rate
Dynamic, risk-based pricing
Floating
Repayment terms
Fixed
Revolving; Dynamic credit limits; Weekly, monthly or other periodicity
On-demand or Term

Specialty working capital–without special effort

Capture data about any type of collateral digitally. Our dynamic smart forms serve applicants the right fields for each asset type, while APIs connect to valuation data from external sources in real time. Automate collateral management with triggers and alerts for assessment events and changes to the data.

Asset-backed loans supported
Equipment Finance; Equipment Leasing
Vehicle Finance; Vehicle Leasing
Commercial Mortgages
Collateral
Equipment & Machinery
Vehicle; Vehicle Fleet
Building, Factory, Data Center, etc.
Rate type
Fixed, Variable/Floating
Repayment terms
Amortizing, Non-amortizing, Interest-only, Variable/Seasonal, aligned with the useful life of the asset

Bespoke facilities made scalable

Give customers customers flexible credit to meet their changing needs–without submitting multiple applications.  With all of your data together in Data Nexus and all of your product components in Credit Foundry, it’s never been easier to structure and manage umbrella facilities, lines of credit and asset-based loans. 

Facility Types Supported
Single Line of Credit
Application for a specific loan for a specific purpose for a single borrower
Umbrella Facility
Any combination of loans for single or related parties within a committed or uncommitted, revolving or non-revolving master limit
Asset Based Loans
Any loan product that is offered using existing borrower-owned assets as collateral
Collateral
Depending on the product(s); GSA-General Security Agreement
Most types of unencumbered physical, intangible or financial assets
Rate type
All types
Repayment terms
Revolving or Fixed
All types and dependent on the loan product(s) offered

Term loans, turbocharged

Faster and cheaper is the winning combo for this all-purpose business lending staple. Digital data and processes let you serve a wider range of creditworthy customers with less paperwork and risk. Deliver credit in a few days, with an experience similar to consumer borrowing.

Term loans supported
Short >1 year
Med. 1-3 yrs
Long - 4-25+ yrs
Collateral
General Security Agreement, Other Assets
Partial or Entire Receivables Book; Recourse Agreement; Insurance; Single, Specific or Multiple Obligor
General Security Agreement, Other Assets, Guarantees
Rate type
Fixed, Variable/Floating
Repayment terms
Amortizing, Non-amortizing, Interest-only, Variable/Seasonal, Early Repayment Penalty

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