In uncertain markets, asset-based lending (ABL) is the definitive safe harbor for commercial finance, prized for its collateral-backed security. This safety, however, comes at the price of intense operational overhead. As the Secured Finance Network (SFNet) notes, the market has shifted toward tighter underwriting.
Yet, the reliance on manual Borrowing Base Certificate (BBC) processing creates a dangerous lag between asset valuation and capital availability. AIO Logic’s AXIS platform is the ABL loan origination platform that transforms collateral monitoring from a monthly chore into a real-time advantage. Scale your portfolio, automate complex ineligible calculations and detect fraud before it impacts your bottom line.
Automating the Borrowing Base: Precision at Scale
Generic asset-based lending loan management tools fail because they cannot handle the complexity of dynamic availability calculations. AXIS masters this environment. It calculates borrowing capacity instantly by applying intricate, lender-defined ineligible rules, such as cross-aging, concentration limits and contras, without manual intervention.
Via secure APIs, the platform integrates directly with borrower ERP systems, like QuickBooks and NetSuite, to eliminate manual document processing and pull AR and inventory data in near real-time. This automation moves your team from a reactive, month-end scramble to a proactive, daily collateral analysis, allowing borrowers to access capital faster and boosting lender yield.
Intelligent Risk Management and Fraud Detection
Fraud and risk management are a top pain point for ABL lenders. Manual reviews are time-consuming and ill-equipped to spot the subtle data patterns that signal deception. The ABL underwriting automation within AXIS provides a robust, ongoing defense.
The system flags suspicious trends in real time, such as dilution spikes, unusual credit memo activity or sudden shifts in debtor concentrations. This allows you to operationalize the principles of the OCC Comptroller’s Handbook, which warns against illiquid borrowing base collateral and mandates diligent tracking of receivable concentrations, embedding a new layer of safety and soundness into your daily workflow.
Accounts Receivable Financing Automation
Unlike term loans, ABL requires granular, invoice-level tracking. AXIS is built to manage this data-intensive environment. The platform’s accounts receivable loan automation lets lenders configure and automatically apply specific ineligible rules, such as excluding government or foreign receivables, without building fragile Excel formulas. For lenders who require accounts receivable factoring, AXIS provides full support for the entire workflow, including verifications, notifications and complex rebate management.
Portfolio Surveillance and Audit Readiness
The daily grind of ABL involves the constant collection and reconciliation of aging and inventory reports. The AXIS ABL loan servicing platform automates this process, freeing your team to analyze risk rather than chase down documents.
For audits, the platform features secure, permission-based login access that allows examiners to view the precise state of collateral on any given day without disrupting your team. This operational leverage is the key to scaling asset-based lending.
Learn How to Automate Asset-Based Lending
It is time to move from collateral chasing to strategic, data-driven lending. AXIS is the operating system that handles the heavy lifting, giving you the confidence and control to grow your portfolio.
Contact AIO Logic to schedule a demo.