Capital partners
Better-prepared transactions, before they reach credit.
Collective Credit works behind originators to research, model, package and reconcile each transaction. For the lenders, mortgage managers and funders who receive that work, the result is a more consistent, better-evidenced submission.
- What you receive
- Consistent, evidence-linked submissions
- Prepared in
- Your credit formats and committee templates
- Quality control
- Credit team review before release
For the receiving credit team
What changes when the originator has a desk.
Fewer incomplete submissions
Conditions precedent, missing-information schedules and pack reconciliation are completed before the transaction is submitted, so your team spends less time chasing and more time deciding.
Every figure has a source
Submissions, models and packs are linked to the underlying documents in the Collective platform. Reviewers can trace any number back to its evidence.
Your format, not ours
Dedicated Desk partners can supply their own credit templates and committee formats. Collective prepares transactions in the structure your committee already reads.
A clear line of accountability
The originator retains the client, the recommendation and the approval to submit. Collective prepares; the credit team reviews; the originator releases. Nothing reaches you without that sequence.
The Collective platform
The system beneath the service
The platform makes the service visible.
Every submission, source document, calculation, deliverable and outstanding item is managed through the Collective platform. Partners receive structured workflow and reporting without implementing another internal system or managing another operations team.
- Submit an opportunity
- Assessment status
- Information gaps
- Activation decision
- Security research
- Financial model
- Credit submission
- Shared comments
- Partner review
- Terms received
- CP checklist
- Transaction status
- Source evidence
- Deliverable history
- Audit trail
Where this can go
Preparation today. Panel and lending when it is warranted.
Collective Credit’s starting point with capital partners is preparation quality. Where a partner wants more, Collective Panel and, in time, Collective Lending connect lender-panel access, dedicated mandates and managed or white-label products through the same operating environment. These are forward pathways, subject to partner mandate and approval, and are not part of the current service.
Where the ladder leads
One credit desk.
From placement to lending.
As the Collective network grows, the service extends from credit preparation into lender placement and, in time, managed lending products built around demonstrated demand.
Collective Panel
Coming nextLender-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
- On eligible Collective Panel transactions, participating lenders waive their standard application fee.
- The Collective Fee becomes the primary application charge, reducing duplicated fees for the borrower.
Subject to lender participation and transaction eligibility. Independent legal, valuation, quantity-surveyor and other third-party costs remain separate.
Register for Panel accessCollective Lending
Future capabilityFuture 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-managed lending products
- White-label products for established originators
- Funding-line integration
- Loan servicing and portfolio reporting
- Trail and recurring income participation
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.
Join Collective Access
Start with the opportunities
already in your pipeline.
Join Collective Access, configure your branded workspace and submit the next four opportunities competing for your attention.
The specialist credit desk behind your business.
Book a Workspace Demo