How does the Lendisys LOS calculate the borrowing base during origination?

Our Loan Origination System allows underwriters to configure custom borrowing base formulas, including advance rates for different asset classes. During underwriting, it automatically applies caps, reserves, and ineligibles based on submitted collateral reports to calculate the precise initial and ongoing availability for borrowers.

Can the LOS analyze A/R aging reports during the application process?

Yes. Applicants use the portal to upload their A/R aging reports. The Lendisys LOS automatically ingests and analyzes this data, tracking key metrics like aging schedules and customer concentrations to apply ineligibles as defined by your credit policy, directly within the underwriting workflow.

How does the Loan Origination System handle field exams and audits?

Our LOS provides a centralized repository for all origination documents, including pre-funding field exams and audits. Underwriters can track findings, manage stipulations, and adjust the initial borrowing base based on exam results directly within the platform, creating a complete and auditable loan file.

How does a potential borrower interact with the Loan Origination System?

Prospective borrowers use a secure online portal to complete the loan application, submit borrowing base certificates, and upload required financial documents like A/R and inventory reports. This self-service capability streamlines the origination process from the very first step.

The Modern Loan Origination System for Asset-Based Lending

Transform your ABL operations with a Loan Origination System built for speed and accuracy. Lendisys automates the entire origination workflow, from initial application and collateral analysis to final funding, empowering you to make smarter decisions, faster.

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Key Features of Our ABL Origination System

Our platform is engineered from the ground up to handle the unique demands of ABL underwriting, transforming challenges into competitive advantages.

Automated Underwriting

Instantly calculate borrowing capacity with configurable advance rates, ineligibles, and concentration limits built directly into the workflow.

Intelligent Collateral Analysis

Our system automatically ingests and analyzes A/R aging and inventory reports submitted by applicants, flagging risks for underwriters.

Digital Submission Portal

Streamline the application process with a secure portal for borrowers to submit documents and borrowing base certificates with ease.

The ABL Origination Lifecycle, Simplified

Our Loan Origination System transforms the traditionally manual ABL workflow into a streamlined, auditable, and efficient digital process from initial contact to closing.

Digital Application

An applicant submits their loan request and initial collateral information through the secure Lendisys portal.

Collateral Analysis

The LOS ingests A/R and inventory reports, performs aging analysis, and flags any potential ineligibles for the underwriter.

Underwriting

Your team uses the LOS to review the analysis, set final advance rates, and calculate the precise borrowing base.

Closing & Funding

Once approved, the LOS generates all necessary loan documents for e-signature and prepares the deal for booking.

Your ABL Origination Workflow, Perfected

Our Loan Origination System is not a rigid, one-size-fits-all solution. We partner with you to configure the platform's workflows, credit rules, and reporting to mirror your institution's specific ABL strategy, ensuring a perfect fit.

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Your ABL Questions, Answered

Explore common questions about how the Lendisys Loan Origination System enhances asset-based lending.

Originate ABL Deals with Confidence

Ready to replace manual underwriting with an intelligent Loan Origination System? See how Lendisys can increase your team's efficiency, reduce risk, and provide a superior experience for your ABL borrowers.
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