Capital Markets

Every loan is screened against the funding routes open to it (holding it on your own balance sheet, a participation, an alternative loan program) before you commit to one. A dedicated portal flows loans to funding sources, and an AI buy-box built from uploaded policy documents matches and presents eligible loans, enabling near-automated participation. All of it runs on the record the loan was originated on rather than a copy of it.

Two problems. The first is friction: most commercial lenders already move loans between institutions, but the process is often manual: email, spreadsheets, PDFs, shared drives, old data rooms, and repeated conversations about what's missing. The second is narrowness: capital markets usually runs as a separate desk on a separate file, so the only funding routes anyone sees are the ones that desk already knows. Sweet answers the first with a structured, permissioned environment where all parties work from the same data, documents, and status trail, and the second by making funding a function of the origination record itself, so more routes are visible and funding diversifies.

Sweet can automate much of the matching, packaging, routing, document checking, data extraction, eligibility screening, and status tracking. But the capital provider still controls the final credit decision, pricing, exceptions, approvals, and investment policy. The platform makes participation easier, faster, and cleaner — not to remove the lender's credit judgment.

It helps the originator fund more of what it writes without manually shopping each deal. If a loan doesn't fit the originator's balance sheet, concentration limits, hold guidance, product set, or risk appetite, the platform screens the other routes open to it and finds outside funding sources that may qualify for the same exposure. The originator keeps the borrower relationship, widens the range of loans it can support, and diversifies how it funds them, which is what brings the cost of funding down over time.

It gives the capital provider cleaner, more consistent access to commercial loan flow. Instead of receiving uneven packages from different originators, the provider defines its buy-box once and receives loans already screened, organized, spread, documented, and mapped to its requirements. The value isn't just more volume — it's better-filtered volume and a reliable ecosystem.

No. It reads the same record. Settlement, servicing hand-off and reporting run off the origination file rather than a copy of it, so nothing is rekeyed between the desk that placed the loan and the desk that services it. That is also why capital markets volume can grow without a proportionally larger desk sitting behind it.

Today the routes are participations, syndications and alternative loan programs, alongside holding the loan yourself. Hedging, insurance, accounting and banking are designed to attach to the same record as those functions come online. They are on the roadmap, not shipped. We would rather say that plainly than let a roadmap read as a feature list.