You already move loans between institutions. The real question is how many ways you can fund what you originate, and what each of those ways costs you. Sweet makes capital markets a function of the record rather than a separate desk. The file that originated the loan is the file that places it, settles it and reports on it, across real estate, operating, equipment and working-capital financing.
If you originate
- Fund more of what you write. Every loan is screened at once against participations, alternative loan programs and your own balance sheet, so you see the routes open to it before you commit to one.
- Say yes more often. When a loan does not fit your balance sheet, your concentration limits, your hold guidance or your product set, the platform finds the routes it does fit, and you keep the borrower relationship.
- Stop shopping deals one call at a time: eligibility is screened automatically against a software buy box before you present anything.
- Keep term sheets, credit agreements, amendments and syndication agreements in one place, with progress tracked through approval, negotiation and execution.
If you provide capital
- Define your buy box once and receive loans already screened, organized, spread, documented and mapped to your requirements: better-filtered volume, not just more of it.
- Get consistent packages from every originator instead of a different shape each time.
- Keep the credit decision. Sweet automates the matching, packaging, routing, document checking, extraction and status tracking. Pricing, exceptions, approvals and investment policy stay yours. This is near-automated participation, not automated participation, and the difference is the whole point.
Settlement, adjacent services and scale
- Automated trade confirmation, settlement and interest and payment calculations run off the same record as the origination file, so nothing is rekeyed between the desk that placed the loan and the desk that services it.
- Analytics on volume, pricing trends, counterparty behaviour and performance.
- Role-based access control and an audit trail your compliance team can follow, with reporting built in for the regimes you report under.
- The same record is where hedging, insurance, accounting and banking attach as those functions come online, which is how capital markets volume grows without a proportionally larger desk behind it.
Learn more in the Capital Markets FAQ or the white paper Capital Markets for Commercial Lenders.
