CDD & KYC
Registration and intake of a new customer, so customer acceptance can be performed and findings from customer due diligence can be recorded.
Gain an insight in the financial health of your customer by annual accounts, profit and loss accounts, a liquidity planning and financial ratios.
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.
Specifically for Asset-based finance, Fyndoo can determine the risk-based interest, amortization and duration of a lease, based on the chosen asset.
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.
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 and determine which collateral object is linked to which facility and record the registrations.
Structure the financing solution, link (sub-)facilities to different borrowers and collateral objects.
Fyndoo determines LGD based on collateral coverage and the expected loss for the separate facilities.
Determine the price of a financing solution with risk-based pricing, or use your own pricing model with buckets.
Automated approval driven by acceptance rules per product, or use the workflow for a manual approval process with different roles.
Fyndoo creates the credit agreement and deeds which can be signed digitally.
Make sure that all collateral are perfect before triggering the pay-out.