Debt Capital Markets

Vector Streamlines Debt Portfolio Management by Digitizing Debt Agreements and Automating Funding Requests. With Features Like Borrowing Base and Waterfall Optimization, Vector Maximizes Capital Efficiency, Allowing Institutions to Fully Leverage Funding. It Also Enhances Securitization and Investor Reporting, Tracks Covenant Triggers, Monitors Collateral Performance, and Provides Detailed Analytics, Including Borrowing Base Trends and Vintage Curves, Supported by a Configurable Capital Markets KPI Engine

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20+ Asset Classes
300+ Financial Models
SOC 2 Certified
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360° Reporting and Analytics

Debt Capital Markets Features

Comprehensive tools and analytics for enhanced financial management and decision-making

Automate Funding Requests

Vector’s Automated Borrowing Base Module Streamlines Funding Requests by Leveraging Its Receivable Assignment Engine, Al...

Borrowing Base Optimization

Vector’s Borrowing Base Optimization Maximizes Capital Efficiency by Fully Leveraging Available Funding Within Debt Port...

Digitize Debt Agreements

Vector centralizes key terms of debt agreements, enabling seamless downstream automation for debt portfolio management. ...

Automate Investor Reporting

Vector Simplifies and Automates Every Stage of Capital Markets Operations and Investor Reporting, From Data Collection t...

Automate Funding Requests

Vector’s Automated Borrowing Base Module Streamlines Funding Requests by Leveraging Its Receivable Assignment Engine, Allowing Institutions to Maximize Funding Availability and Improve Operational Efficiency. By Seamlessly Integrating Loan Data Tapes, Bank Accounts, and Facility Agreements, Vector Optimizes the Effective Advance Rate on Eligible Assets, Ensuring Accurate and Efficient Capital Allocation. This Automation Not Only Accelerates the Funding Process but Also Enhances Portfolio Transparency and Reduces Manual Workload, Empowering Financial Institutions to Manage Secured Debt Portfolios With Precision and Agility.

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Automate Funding Requests

Scale Your Lending,
Not Your Operations

The Vector Engine Redefines Debt Capital Management by Automating Funding Requests, Optimizing Borrowing Bases, and Streamlining Investor Reporting. Empowering Financial Institutions to Maximize Liquidity, Achieve Capital Efficiency while Enhancing Transparency, and Driving Strategic Growth.

300
Financial Models
+45%
Increased Accuracy
80%
Time & Cost Saving
40
Asset Classes
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Machine Learning Applications in Lending

As of 2020, the financial sector debt reached $66 trillion equal to 25% of the global debt. As the world gears up to fight the pandemic, the need to precisely analyze credit risk and price...

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Automated Machine Learning

AutoML is the automation of ML algorithms and the structured design process of a defined model. It provides predesigned systematically structured data analysis tools that help banks...

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Buy Now Pay Later

Buy Now, Pay Later (BNPL) offers consumers the ability to purchase immediately and pay over time, rapidly evolving from simple 'Pay-in-4' plans to diverse financial models and integrated apps. The sector, primarily funded by merchant fees and occasionally featuring interest or late fees, prioritizes market share over immediate profitability. As it faces stiff competition from both new entrants and traditional financial institutions, BNPL companies must innovate to maintain growth.

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What is Credit Risk and Why is it Important?

The lender offers credit to a debtor, termed a borrower, based on trust in repayment. Credit risk emerges when there's a risk the borrower might not repay, leading to the lender not receiving the principal or interest, thereby incurring significant financial losses. Additionally, substantial costs are often incurred in efforts to recover the loan amount.

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Financial and Regulatory Reporting

Financial regulations, such as Basel and IFRS 9, dictate capital requirements for institutions to ensure economic stability. Government regulators enforce these to prevent crises like the 2008 financial meltdown, which caused major disruptions due to major institutional bankruptcies. Trust in banks, fostered by these regulations, encourages public deposits, crucial for economic functionality.

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Scorecard - Credit Engine

Credit risk scorecards provide quantitative estimates of the likelihood of customer delinquencies, such as bankruptcy or loan default, in relation to their credit status. We've developed a fast, automated credit risk engine to enhance decision-making efficiency. Upcoming posts will explore common ML models used in the consumer finance credit risk sector.

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Prepayment Analytics

The Loan Portfolio Cash Flow Forecast & Analytics offers in-depth cash flow projections accounting for defaults and prepayments, essential for financial planning and interest risk management. It also supports Investor & Warehouse Securitization Reporting with comprehensive pool analysis and aids in Loan Pricing & Scenario Optimization to maintain a balance between profitability and risk.

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