SMB Lender
Leading SMB lender automates facility reporting and optimizes pool allocation
Asset Classes
The Challenge
Rapidly growing origination volumes made manual facility reporting unsustainable. Borrowing base calculations and eligibility checks for warehouse facilities were done in spreadsheets, leading to delayed draw requests and suboptimal pool allocation. Loans that could have been allocated to lower-cost facilities sat in higher-cost ones because the team lacked real-time visibility into eligibility and concentration across pools.
The Solution
Automated Borrowing Base & Facility Reporting
Borrowing base calculations run automatically on every data refresh. Facility reports generated with full lineage from loan tape to final submission.
Pool Allocation Optimization
Real-time visibility into eligibility, concentration limits, and available headroom across all facilities. System recommends optimal allocation to minimize funding cost.
Continuous Eligibility & Concentration Monitoring
Automated eligibility and concentration checks flag breaches before they occur, enabling proactive remediation rather than reactive reporting.
AI-Powered Exception Management
AI agents explain eligibility failures and suggest remediation actions. Exception workflows track resolution with complete audit trail.
We were leaving money on the table with suboptimal pool allocation. Alterest showed us exactly where every loan should sit — and proved it to our lenders.
— Chief Financial Officer