Platform
Everything a loan trade needs, in the order it happens.
Offerings, pricing and analytics, balance sheet impact, diligence and settlement, and reporting after the sale. Each area sits on the step of the trade where it is used.
Offerings
Whole loans and participations on offer, with the facts a credit committee asks for first.
- Cards and table views with filters by sector, size, state and structure
- A buy box you set once, matched against every new offering
- Offering term sheets and loan listings for download
Pricing and analytics
Every pool is priced with the same engines the desk uses, loan by loan.
- Yield, WAL, duration and cashflows for every loan
- Option-adjusted spread on a Hull-White rate model
- Seven rate scenarios from -300 to +300bp
- CECL expected loss and total return over one, three and five years
- Stratifications, geography, and CRA and CDFI eligibility
Balance sheet
Decide with your own numbers, not an average institution.
- The impact of a purchase, or of a sale of your own pool, on your capital ratio, net interest income and EVE
- ALM simulation for credit unions, with a scenario builder
- Limits from your call report, including a bank legal lending limit
Diligence and settlement
One data room and one tracker from NDA to close.
- Online NDA with a recorded signature
- Documents checked for active content before anyone can open them
- Requests, questions and answers, and a closing review on the deal page
Reporting
The trade does not end at settlement.
- Monthly remittance reports for each buyer
- Loan performance and surveillance from the servicing tape
- Pool analytics kept on the latest data
Why it matters
What sets LoanBook apart
- 01
See what a pool does to your balance sheet before you buy
For supported pools and institutions, model the effect using your institution’s available call report: the change in your capital ratio, your annual net interest income and your economic value of equity at +200bp. Credit unions and banks each get their own vocabulary and tax treatment.
- 02
Priced with institutional analytics, loan by loan
Explore the same analytics engines the trading desk uses: cashflows for every loan, yield and WAL, option-adjusted spread on a Hull-White rate model, seven rate scenarios from -300 to +300bp, CECL, and total return over one, three and five years.
- 03
Our own prepayment, default and loss models
Product-specific prepayment, default and loss-severity models use their supported calibration data and economic inputs. County-level context informs supported models where available; assumptions and coverage matter.
- 04
Carve a pool to fit your book
Choose a goal and supported buy-box constraints to model a selection at published offering terms. Review feasibility and your institution’s policy and regulatory requirements before proceeding.
- 05
Institution research from regulatory filings
Available FDIC bank and NCUA credit-union financials, together with FFIEC CRA exam history, support institution research and impact analysis. Filing dates and coverage remain visible.
- 06
One page from first look to monthly remittance
The offering, the NDA, the data room, diligence requests, closing review and the monthly remittance report all live on the same deal page, with a tracker that shows where the trade stands and the one thing it needs next.
How the models work is documented in Resources: Models.
Data room security
How a data room protects your documents
Every statement below is enforced in the platform, and each one is checked against the code that enforces it before it is shown here.
Private by default
Documents live in private storage that no link reaches directly. Every table behind a data room enforces row-level security, and the public API key can read none of it. Nothing is served to search engines or shared referrers.
Access is granted to a named person, and can be taken back
The desk grants each prospect their own invitation, with an expiry date, optional folder restrictions and single-use links when needed. Access can be revoked at any time, and a revoked or expired invitation opens nothing.
Invitation links are stored hashed
The invitation token is kept only as a hash, so a copy of the database does not yield a working link. Each request is checked against the invitation, its expiry, its revocation and the room it is bound to.
The NDA comes before the documents
Confidential documents open only after the NDA for that exact invitation is accepted, and the acceptance is recorded as evidence: who, when, from which address and browser. Where the desk requires it, the NDA is signed and countersigned before the room opens.
Every document link expires in 60 seconds
A viewer or download link is minted for one request and expires a minute later, after every access check has passed. Downloads can be switched off per document, so a view-only file stays view-only.
Every file is scanned and fingerprinted on the way in
Each upload is checked for active content before anyone can open it; enforcement is set so that a file downloads only once it has scanned clean. Every file carries its SHA-256 fingerprint, so what a buyer downloads can be proven to be what the seller delivered.
Every view and download is on the record
Registrations, NDA acceptances, document views, viewing time, downloads, questions and bids are written to an append-only activity log. The desk can see who looked at what and when; nothing in that log can be edited after the fact.
Registration is throttled and never proves more than it should
Public registration requires a name, title, company and a work email, and is limited to ten attempts per address per hour. A registration is a request for the desk to follow up, not a grant of access.
Encrypted in transit, on encrypted storage
The site is served only over TLS with HSTS preloading, never embedded in another site, and the storage behind the rooms encrypts data at rest.
See it on a real offering.
Every offering on the board runs on these analytics.