Business and commercial credit
Financial analysis, information memorandums, lender submissions, document coordination and pre-committee packs for commercial and business-purpose finance — prepared by Collective, reviewed by the credit team, released by you.
Transactions we prepare
Each transaction type draws on the relevant workstreams within Collective Execution. Research, analysis, credit materials and coordination are delivered as one defined engagement for each activated transaction.
Who it's for
Established relationships and deal flow, constrained by the hours each transaction takes to analyse and package.
Several concurrent transactions and no appetite for a fixed credit-analyst salary.
Consistent commercial-credit preparation across a network of offices.
Programme and transaction packs prepared in the funder’s format.
Commercial transactions prepared for internal committee in your credit templates.
Client information memorandums and funding tables for clients approaching lenders.
Representative workflows
Representative workflows only. Deliverables and timing are scoped according to the complexity and completeness of each transaction.
Working capital
Collective classifies the financials and supporting documents, identifies what is missing and prepares an executive credit summary and information memorandum.
Representative workflow — not a credit decision, offer or turnaround commitment.
Acquisition
Collective analyses the target, prepares sources and uses and the structure and exit analysis, and drafts the lender submission in the required format.
Representative workflow — not a credit decision, offer or turnaround commitment.
Receivables
Collective analyses the debtor ledger and concentrations, builds the conditions checklist and assembles the pre-committee pack.
Representative workflow — not a credit decision, offer or turnaround commitment.
How it works
Provide the core borrower, security, facility and transaction information through the Collective platform.
Collective identifies the key metrics, information gaps, risks and most appropriate next step.
Suitable opportunities can be activated for deeper review or full credit execution.
Collective prepares the required credit material and manages the workflow through approval and conditions precedent.
Where the ladder leads
As the Collective network grows, the service extends from credit preparation into lender placement and, in time, managed lending products built around demonstrated demand.
Lender-funded on eligible settlements
Access an expanding panel of private and construction lenders through one specialist credit desk. Collective Credit will coordinate lender engagement, credit progression and transaction execution.
The fee benefit
Subject to lender participation and transaction eligibility. Independent legal, valuation, quantity-surveyor and other third-party costs remain separate.
Register for Panel accessFuture capability
Collective Credit will use the strength of its originator network, transaction data and credit capability to introduce managed and white-label lending products designed around demonstrated market demand.
Potential capabilities
Collective Panel and Collective Lending are described as forward capabilities, not current or guaranteed services. Any lender participation, fee waiver, funding or lending capability remains subject to partner arrangements, eligibility, due diligence and approval.
FAQ
Common questions about what Collective does and does not do for commercial transactions.
No. Collective prepares the analysis, information memorandum, submission and pack for commercial transactions. Lending decisions remain with the lender you select, and the recommendation and approval to submit remain with you.
Working-capital and term facilities, refinance, growth capital, asset and equipment finance, invoice and debtor finance, trade and contract finance, business acquisitions, buy-outs and property-backed business-purpose transactions.
Yes. The Rapid Deal Assessment identifies what is missing, and once a transaction is activated the team classifies what you have, coordinates the outstanding documents and information, and tells you what remains so the transaction can progress while the gaps are filled.
Yours. Deliverables can be produced under your brand and are released only when you approve them.
Pricing and limits are matters for the lender and each transaction. Turnaround is scoped with you according to the complexity and completeness of the transaction and, for Dedicated Desk partners, the capacity reserved.
Join Collective Access
Join Collective Access, configure your branded workspace and submit the next four opportunities competing for your attention.
The specialist credit desk behind your business.
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