One partner. Every stage of the deal.
Modern capital markets technology and experienced servicing operations, unified under one system of record. Backup servicing, verification, collateral management, and fund administration backed by 35+ years and $60B+ in assets under administration.
Recent borrower collapses, fraud cases, and dislocation across asset classes like residential solar and auto have raised the bar for the infrastructure behind asset-backed finance. Data silos, fragmented reporting, and opaque operations are no longer acceptable to investors, rating agencies, or regulators. The market is demanding better, and that means rethinking how credit administration is built.
Every handoff introduces risk. More vendors means more integrations, more contracts, more things to manage.
Finley brings it all together. Our credit administration services give you backup servicing, independent verification, borrowing base validation, collateral management, and fund administration on the same platform you already use for loan servicing and portfolio monitoring. That means fewer vendors, less operational risk, and full visibility across your portfolio.
Backup Servicing
Investors and rating agencies expect continuity. If your primary servicer can’t perform, your backup servicer needs to step in without disruption.
Finley, backed by Concord's servicing operations, provides standard and parallel backup servicing configurations depending on your deal requirements. We stay familiar with your portfolio data, servicing workflows, and reporting obligations so we're ready when it matters.
Finley, backed by Concord's servicing operations, provides standard and parallel backup servicing configurations depending on your deal requirements. We stay familiar with your portfolio data, servicing workflows, and reporting obligations so we're ready when it matters.
Through Concord, Finley administers $11.5B+ in backup servicing across consumer and commercial portfolios.
Standard:
Daily data syncs, documented transition plans, and servicer monitoring. Ready to step in within days.
Daily data syncs, documented transition plans, and servicer monitoring. Ready to step in within days.
Parallel:
Continuous data mirroring with near-real-time readiness. Designed for deals where any interruption is unacceptable.
Continuous data mirroring with near-real-time readiness. Designed for deals where any interruption is unacceptable.
Transition & Successor Readiness:
Defined trigger events. Maintained boarding files. Documented transfer workflows. When activation occurs, servicing begins from live portfolio data, not static archives.
Defined trigger events. Maintained boarding files. Documented transfer workflows. When activation occurs, servicing begins from live portfolio data, not static archives.
Your backup servicer should know your portfolio before they need to run it. That's responsible backup servicing.
Additional Services
Borrowing Base Verification
Your borrowing base determines how much you can draw.
Finley independently validates the collateral calculations that support borrowing capacity acrosswarehouse facilities, asset-based lending, and subscription finance. We review eligibility criteria, apply haircuts and advance rates, and confirm the borrowing base matches what’s been reported.
If there’s a discrepancy, you know about it before your lender does.
Finley independently validates the collateral calculations that support borrowing capacity acrosswarehouse facilities, asset-based lending, and subscription finance. We review eligibility criteria, apply haircuts and advance rates, and confirm the borrowing base matches what’s been reported.
If there’s a discrepancy, you know about it before your lender does.
Collateral Management
Structured transactions depend on the quality and eligibility of underlying collateral. Finley provides continuous monitoring and validation of the assets backing your deals, including concentration testing, eligibility verification, and exception tracking.
When collateral pools shift, you see it immediately rather than discovering issues during quarterly reviews.
When collateral pools shift, you see it immediately rather than discovering issues during quarterly reviews.
Fund Administration
Private credit fund managers need accurate, timely fund-level operations without building a back office from scratch.
Finley handles data aggregation, cash management, reconciliation, accounting, investor reporting, capital calls, and servicer audits. Your LPs get the transparency they expect. You getyour time back.
Finley handles data aggregation, cash management, reconciliation, accounting, investor reporting, capital calls, and servicer audits. Your LPs get the transparency they expect. You getyour time back.
Verification Agent
Lenders, investors, and trustees need independent confirmation that loan data, performance metrics, and facility triggers are accurate. They want proof, not a second opinion.
As your verification agent, Finley independently tests loan tapes, recalculates performance metrics, and monitors compliance with facility covenants and triggers. We catch discrepancies before they reach investor reports or rating agency reviews.
As your verification agent, Finley independently tests loan tapes, recalculates performance metrics, and monitors compliance with facility covenants and triggers. We catch discrepancies before they reach investor reports or rating agency reviews.
Loan tape testing: Independent validation of borrower data, payment history, and portfoliocomposition against facility requirements.
Performance recalculation: We independently compute delinquency rates, loss metrics, andcoverage ratios rather than relying on servicer-reported figures.
Trigger monitoring: Ongoing surveillance of early amortization events, concentration limits,and eligibility criteria.
Reporting: Clear, structured verification reports delivered on your schedule.
One Partner. Complete Lifecycle Coverage.
Consistent credit administration requires modern software and experienced servicing operations working together, not bolted on after the fact. Finley brings both under one system of record: loan servicing, portfolio monitoring, backup servicing, and verification all sharing the same data and the same operational team.
Your investors see consistent reporting. Your operations team manages one relationship instead of four. And when something needs attention, you find it in one place.
Your investors see consistent reporting. Your operations team manages one relationship instead of four. And when something needs attention, you find it in one place.
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