CDD & KYC
Registration and intake of a new customer, so customer acceptance can be performed and findings from customer due diligence can be recorded.
Spreading
Gain an insight in the financial health of your customer by annual accounts, profit and loss accounts, a liquidity planning and financial ratios.
Financial analysis
Make a forecast based on the planned investments and financing and gain an insight in the balance sheet after financing or make best- and worst-case scenarios to stress test a management case.
Lease
Specifically for Asset-based finance, Fyndoo can determine the risk-based interest, amortization and duration of a lease, based on the chosen asset.
Commercial property
Use the commercial property module and analyse the cashflow, income from rent and the property itself to thoroughly assess a loan request for commercial property.
Credit Rating
Determine the credit rating of the applicant(s) by using the standard URA-rating model, a custom rating model or an external rating agency.
Structure collateral
Structure collateral and determine which collateral object is linked to which facility and record the registrations.
Financing solution
Structure the financing solution, link (sub-)facilities to different borrowers and collateral objects.
Determine LGD
Fyndoo determines LGD based on collateral coverage and the expected loss for the separate facilities.
Loan pricing
Determine the price of a financing solution with risk-based pricing, or use your own pricing model with buckets.
Acceptance
Automated approval driven by acceptance rules per product, or use the workflow for a manual approval process with different roles.
Deliver contract
Fyndoo creates the credit agreement and deeds which can be signed digitally.
Fulfilment
Make sure that all collateral are perfect before triggering the pay-out.