Linedata Capitalstream

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An Integrated Platform for Loan & Lease Origination, Portfolio Monitoring, and Risk Management

 

Linedata Capitalstream is a fully-integrated lending and leasing platform that enables the finance teams of commercial banks, manufacturing captives, and independent finance providers to streamline operations, lower costs, and manage risk. Linedata Capitastream enables front-office teams to streamline data gathering, loan or lease structuring, credit analysis, document generation, and fulfillment.

 Linedata Capitalstream provides a cost-effective and fully scalable origination and workflow management solution that enables the front-office team to work more efficiently, compete more effectively, monitor performance and compliance, and optimize the customer experience.

Streamline Operations Across Products and Lines of Business

As applications come in from relationship managers, the field sales team, equipment dealers, or other channels, Linedata Capitalstream’s straight-through processing automates the origination workflow to capture and acquire the information the team needs to respond quickly and diligently. The front office has the benefit of instant access to the information and documents it needs to make smart decisions while supporting risk management and compliance requirements.

Linedata Capitalstream Builds Risk Management Into the Front Office

Credit managers and other front-office personnel can quickly and easily support reporting requirements, financial covenant compliance, risk rating criteria, and other credit policies. Integrated financial reporting, covenant compliance tracking, and bank-wide exposure monitoring mitigate risk by making changes in account and portfolio risk immediately visible.

Credit policies can be defined for each program, vendor, or customer, with policy-driven decisioning or declines based on specific scoring rules and decision strategies. All decisions and overrides along with the associated rationale are tracked for subsequent retrieval and review.

Fast and Accurate Support for the Origination Team

Relationship building is less time-intensive when the front-office team can easily and automatically pull and analyze exposure information to monitor commitments, outstandings, and relationships across products and lines of business.

With Linedata CapitalStream, relationship managers, equipment finance providers, and other origination channels enjoy easy access to a 360-degree view of the customer. Credit officers can track and aggregate specific, direct and contingent exposure at every level: facility, customer, guarantor, portfolio and bank-wide.

Multiply Throughput with Current Staffing Levels

By providing a common data platform that spans products, currencies, and lines of business, Linedata Capitalstream eliminates redundant data entry and stand-alone processes, routing the right information to the right members of your organization. Integrated pricing tools, instant bureau pulls, instantaneous scoring and fully configurable underwriting support, and full integration with the back-office contract management system gives your team the responsiveness and agility to multiply throughput and win more business with no increase in headcount.

Origination Automation Across Products and Lines of Business

As applications come in from your relationship managers, online channels, equipment and vehicle dealers, and other originators, Linedata CapitalStream automates the origination workflow to capture the information needed and enable your team to respond quickly. Your front office has the benefits of instant access to the infomation and documents it needs to make smart decisions.

Pricing, payment structures, credit decisions, and documentation can be generated instantly, with built-in rules-based escalation to manual review and override. Linedata CapitalStream transforms paper-based operations requiring intensive manual attention and multiple handoffs into a streamlined workflow, with full management visibility and oversight.

CapitalStream is configurable to map to your unique processes and to support handling of one-off processes, as well.

Multiply Throughput With Current Staffing Levels

By providing a common data platform that spans products, currencies, and lines of business, Linedata CapitalStream eliminates redundant data entry, routing the right information to the right members of your team. Integrated pricing tools, instant credit bureau pulls, automated scoring and decisioning processes, vendor program support, and full integration with your back-office servicing system gives your team the responsiveness and agility to multiply throughput and win more business with no increase in headcount.

Your team spends less time re-entering and looking for data and more time developing new business.

Compliance Monitoring

Credit managers and other front office personnel can quickly and easily monitor reporting requirements, financial covenant compliance, risk rating criteria and other credit policies. Integrated financial reporting, covenant compliance tracking and bank-wide exposure monitoring mitigate risk by making changes in account and portfolio risk immediately visible.

Credit policies can be defined for each program, vendor, or customer, with policy-driven decisioning or declines based on specific scoring rules and decision strategies. All decisions and overrides along with the associated rationale are tracked for subsequent retrieval and review.

The result? Enhanced productivity, easier collaboration, and greater visibility across all relationships, programs and operating units.

Exposure Analysis

With Linedata CapitalStream, the team can track and aggregate specific, direct and contingent exposure at every level – facility, customer, guarantor, portfolio and bank-wide. Relationship management is less time-intensive when you can easily and automatically pull and analyze exposure information from the data warehouses or various servicing systems that monitor commitments, outstandings and relationships across commercial accounts.

Documents Available Immediately Over the Web

Linedata CapitalStream’s powerful document generation and distribution tools are designed to accomodate the most demanding requirements. Instant browser-based document delivery means customers have their completed documents with no delays. All information flows from application to documentation with no re-entry of data. Online access to signed documents as well as version-tracking puts an end to resource-wasting paper shuffling, archiving, and version-management issues.