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CollateralEdge

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uuid0002vxq

Namestring
CollateralEdge
Legal namestring
CollateralEdge LLC
Websiteurl
collateraledge.com
Company typeenum
Private
Founded yearint
2021
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersRichardson, United States
HQ citystring
Richardson
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
collateral coverage solutions, commercial loan collateral, C&I lending platform, standby letters of credit, bank loan enhancement
Industry2 codes
PRIMARYFSACALAE
Collateral & Margin Operations (CSA/UMR/IM/VM)
Financial & Insurance/Capital Markets & Securities/Middle & Back Office Securities Operations
SECONDARYFSAAAOAI
Securities Lending & Collateral Management
Financial & Insurance/Asset & Wealth Management/Custody, Depositary & Asset Servicing (Custody, Corporate Actions, Securities Lending)
NAICS code2 codes
  • Credit Intermediation and Related Activities522
  • Sales Financing522220
SIC code1 code
  • Short-Term Business Credit Institutions6153
Product category
Commercial Lending Software
GTM motion2 records

Each record includes

Type, Description, Source

Revenue model1 record
1Collateral Coverage Fees
TypeTransaction Fee
Description

CollateralEdge generates revenue by providing collateral coverage (stand-by letters of credit) to banks for C&I loan opportunities. Banks pay fees for the collateral coverage, which addresses short-term underwriting concerns. The company is NOT a lender - it provides quality collateral to bank customers. Pricing is based on the collateral amount and duration selected by the bank for each loan opportunity.

collateraledge.com
Marketing channels6 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Pricing details1 tier
1Collateral coverage up to $5M with customizable duration and amount
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

Coverage amount: Up to $5M per deal. Duration: 6, 9, or 12 months initial period with optional quarterly extensions (up to 18 months total). Banks select coverage required and receive automatic quotes for 20%, 30%, and 40% coverage tiers. Collateral delivered as stand-by letter of credit issued by reputable bank institution.

collateraledge.com
GTM typeB2B
B2B
Offering typeSoftware
Software
Core offering1 text field

CollateralEdge operates a cloud-based sales-enablement platform that supplies community and regional banks with real-time collateral coverage (stand-by letters of credit) to address short-term underwriting concerns on commercial and industrial (C&I) loans ranging from $100K to $25M. Through its proprietary Pricing Portal, bankers submit deal data and receive collateral coverage quotes in under 10 seconds, with coverage amounts up to $5M and durations up to 18 months, without requiring software integration or core system changes.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 4 values shown
  • Deliver collateral coverage quote in approximately 10 minutes
+3 more records
Product overview1 text field

CollateralEdge offers a unified fintech platform consisting of the CollateralEdge Platform and its proprietary Pricing Portal. The CollateralEdge Platform is the core offering—a sales-enablement solution that delivers stand-by letters of credit issued by partner banks to help community and regional banks address short-term underwriting concerns on commercial and industrial (C&I) loans ranging from $100K to $25M. The Pricing Portal is an integrated cloud-based tool that enables bankers to submit approximately 60 data points and receive real-time collateral coverage quotes in under 10 seconds. The platform supports collateral coverage up to $5M with durations up to 18 months, requiring no software integration or implementation.

Product and service2 records
1CollateralEdge Platform
CategoryCommercial Lending Platform
Description

A cloud-based sales-enablement platform that provides community and regional banks with real-time collateral coverage (stand-by letters of credit) to address short-term underwriting concerns on C&I loans ranging from $100K to $25M, while preserving credit quality and enabling loan growth.

2CollateralEdge Pricing Portal
CategoryLoan Pricing Software
Description

A cloud-based proprietary pricing portal enabling authorized bank users to submit approximately 60 deal data points and receive real-time collateral coverage quotes in under 10 seconds, model various capital structures instantly, and download term sheets directly.

Scale indicator5 records

Each record includes

Type, Value, Description, Source

Partnership3 partners
1IBAT (Independent Bankers Association of Texas)
Strategic tierFlagshipTypeStrategic or Co-development PartnerAnnounced on2023-01-01
Description

In 2023, IBAT unveiled its new fintech accelerator, IBATx, and announced its partnership with CollateralEdge as part of the program. The largest state community banking organization in the nation is adopting and commercializing CollateralEdge's solution. This provides CollateralEdge access to IBAT's extensive network of community banks.

2UMB Bank
Strategic tierCoreTypeTechnology or Integration
Description

UMB Bank serves as the back-end bank partner issuing stand-by letters of credit for CollateralEdge's collateral solutions. UMB Bank has issued multiple LCs including $3M coverage for a renewable energy company, $2M for personal guarantee replacement, and $550K for an aerospace parts manufacturer. The bank is highly rated to reduce counterparty risk.

3Keystone Bank
Strategic tierMinorTypeOthers
Description

Keystone Bank has partnered with CollateralEdge to use the platform for C&I loan structuring. Chairman & CEO Jeff Wilkinson has publicly endorsed CollateralEdge's product as a 'structure enhancement' that enables banks to provide solutions rather than restrictive credit boxes.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
1LoanStreet
TypeDirect peer
Description

LoanStreet operates a digital loan participation and trading platform for community and regional banks, addressing similar small-bank commercial lending workflow pain points that CollateralEdge targets, making it a close functional peer.

2Currency
TypeBroad incumbent
Description

Currency is a community bank technology and embedded finance platform serving hundreds of US community financial institutions, providing a broader suite of tools overlapping with CollateralEdge's bank-centric commercial lending enablement.

3Abrigo
TypeBroad incumbent
Description

Abrigo provides lending, credit risk, and compliance software to thousands of US community banks and credit unions, serving as an established bank-tech incumbent whose product portfolio overlaps with CollateralEdge's commercial lending focus.

4nCino
TypeBroad incumbent
Description

nCino offers a cloud-based bank operating system including commercial loan origination and workflow, competing for the same bank technology wallet share as CollateralEdge in commercial lending.

5Jack Henry
TypeBroad incumbent
Description

Jack Henry provides core banking and lending technology to thousands of US community and regional banks, representing a broad incumbent whose commercial lending solutions overlap with CollateralEdge's C&I focus.

6Lendio
TypeEmerging player
Description

Lendio operates a small business loan marketplace connecting SMBs with multiple lenders, addressing the same capital access problem for small and mid-sized businesses that CollateralEdge serves through banks.

7Funding Circle
TypeBroad incumbent
Description

Funding Circle is a global SMB lending platform providing working capital and term loans to small businesses, comparable in serving the SMB debt financing market that CollateralEdge enables through community banks.

8BlueVine
TypeEmerging player
Description

BlueVine provides working capital and lending products to small businesses, overlapping with CollateralEdge's end-customer base of SMBs seeking bank-channel financing.

9OnDeck
TypeBroad incumbent
Description

OnDeck (now part of Enova) provides online small business lending, addressing the SMB credit access gap and competing indirectly for the same commercial borrowers CollateralEdge helps banks finance.

10Caterpillar Financial Services (Cat Financial)
TypeOthers
Description

Captive equipment finance lessor that addresses collateral coverage gaps in commercial lending through structured financing, thematically related to CollateralEdge's collateral enhancement approach for community bank C&I loans.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks1 record

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers9 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment3 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature4 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles4 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
Compliance1 record

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds2 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors2 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

CollateralEdge

Commercial Lending Softwarecollateraledge.com

CollateralEdge firmographics

Firmographics
Name
CollateralEdge
Legal name
CollateralEdge LLC
Website
https://collateraledge.com
Company type
Private
Founded year
2021
Operating status
Operating
Headcount range
1–10 employees
Ownership category
akta.pro rank

CollateralEdge industry classification

Industry
Product category
Commercial Lending Software
NAICS
Credit Intermediation and Related Activities (522), Sales Financing (522220)
SIC
Short-Term Business Credit Institutions (6153)
akta.pro industry
PRIMARYFSACALAE
Collateral & Margin Operations (CSA/UMR/IM/VM)
Financial & Insurance/Capital Markets & Securities/Middle & Back Office Securities Operations
SECONDARYFSAAAOAI
Securities Lending & Collateral Management
Financial & Insurance/Asset & Wealth Management/Custody, Depositary & Asset Servicing (Custody, Corporate Actions, Securities Lending)

Keywords

  • Collateral coverage solutions
  • Commercial loan collateral
  • C&I lending platform
  • Standby letters of credit
  • Bank loan enhancement

Where CollateralEdge is headquartered

Location

Headquarters

HQ city
Richardson
HQ country
United States
HQ region
North America

Offices1 record

Markets served

CollateralEdge business model

Business model
GTM type
B2B
Offering type
Software
Cost components
Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

  1. Collateral Coverage Fees: CollateralEdge generates revenue by providing collateral coverage (stand-by letters of credit) to banks for C&I loan opportunities. Banks pay fees for the collateral coverage, which addresses short-term underwriting concerns. The company is NOT a lender - it provides quality collateral to bank customers. Pricing is based on the collateral amount and duration selected by the bank for each loan opportunity.

Pricing tiers

ModelBillingPrice
Transaction based/ take ratePay-as-you-goCollateral coverage up to $5M with customizable duration and amount

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

CollateralEdge product offering

Product offering

Core offering

CollateralEdge operates a cloud-based sales-enablement platform that supplies community and regional banks with real-time collateral coverage (stand-by letters of credit) to address short-term underwriting concerns on commercial and industrial (C&I) loans ranging from $100K to $25M. Through its proprietary Pricing Portal, bankers submit deal data and receive collateral coverage quotes in under 10 seconds, with coverage amounts up to $5M and durations up to 18 months, without requiring software integration or core system changes.

Product overview

CollateralEdge offers a unified fintech platform consisting of the CollateralEdge Platform and its proprietary Pricing Portal. The CollateralEdge Platform is the core offering—a sales-enablement solution that delivers stand-by letters of credit issued by partner banks to help community and regional banks address short-term underwriting concerns on commercial and industrial (C&I) loans ranging from $100K to $25M. The Pricing Portal is an integrated cloud-based tool that enables bankers to submit approximately 60 data points and receive real-time collateral coverage quotes in under 10 seconds. The platform supports collateral coverage up to $5M with durations up to 18 months, requiring no software integration or implementation.

Differentiator

Problem solved

Functional benefit

Products and services

  • CollateralEdge Platform A cloud-based sales-enablement platform that provides community and regional banks with real-time collateral coverage (stand-by letters of credit) to address short-term underwriting concerns on C&I loans ranging from $100K to $25M, while preserving credit quality and enabling loan growth.
  • CollateralEdge Pricing Portal A cloud-based proprietary pricing portal enabling authorized bank users to submit approximately 60 deal data points and receive real-time collateral coverage quotes in under 10 seconds, model various capital structures instantly, and download term sheets directly.

Quantifiable outcome

  • Deliver collateral coverage quote in approximately 10 minutes
  • +3 more outcomes

Companies that use CollateralEdge

Customer profile

Named customers9 records

Segments3 records

Ideal customer profiles2 records

CollateralEdge technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

CollateralEdge partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered flagship, core and minor.

  • IBAT (Independent Bankers Association of Texas)flagshipStrategic or Co-development Partner · 1 January 2023In 2023, IBAT unveiled its new fintech accelerator, IBATx, and announced its partnership with CollateralEdge as part of the program. The largest state community banking organization in the nation is adopting and commercializing CollateralEdge's solution. This provides CollateralEdge access to IBAT's extensive network of community banks.
  • UMB BankcoreTechnology or IntegrationUMB Bank serves as the back-end bank partner issuing stand-by letters of credit for CollateralEdge's collateral solutions. UMB Bank has issued multiple LCs including $3M coverage for a renewable energy company, $2M for personal guarantee replacement, and $550K for an aerospace parts manufacturer. The bank is highly rated to reduce counterparty risk.
  • Keystone BankminorOthersKeystone Bank has partnered with CollateralEdge to use the platform for C&I loan structuring. Chairman & CEO Jeff Wilkinson has publicly endorsed CollateralEdge's product as a 'structure enhancement' that enables banks to provide solutions rather than restrictive credit boxes.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

CollateralEdge competitors and assessment

Company assessment

Direct peers

  • LoanStreet: LoanStreet operates a digital loan participation and trading platform for community and regional banks, addressing similar small-bank commercial lending workflow pain points that CollateralEdge targets, making it a close functional peer.

Broad incumbents

  • Currency: Currency is a community bank technology and embedded finance platform serving hundreds of US community financial institutions, providing a broader suite of tools overlapping with CollateralEdge's bank-centric commercial lending enablement.
  • Abrigo: Abrigo provides lending, credit risk, and compliance software to thousands of US community banks and credit unions, serving as an established bank-tech incumbent whose product portfolio overlaps with CollateralEdge's commercial lending focus.
  • nCino: nCino offers a cloud-based bank operating system including commercial loan origination and workflow, competing for the same bank technology wallet share as CollateralEdge in commercial lending.
  • Jack Henry: Jack Henry provides core banking and lending technology to thousands of US community and regional banks, representing a broad incumbent whose commercial lending solutions overlap with CollateralEdge's C&I focus.
  • Funding Circle: Funding Circle is a global SMB lending platform providing working capital and term loans to small businesses, comparable in serving the SMB debt financing market that CollateralEdge enables through community banks.
  • OnDeck: OnDeck (now part of Enova) provides online small business lending, addressing the SMB credit access gap and competing indirectly for the same commercial borrowers CollateralEdge helps banks finance.

Emerging players

  • Lendio: Lendio operates a small business loan marketplace connecting SMBs with multiple lenders, addressing the same capital access problem for small and mid-sized businesses that CollateralEdge serves through banks.
  • BlueVine: BlueVine provides working capital and lending products to small businesses, overlapping with CollateralEdge's end-customer base of SMBs seeking bank-channel financing.

Others

  • Caterpillar Financial Services (Cat Financial): Captive equipment finance lessor that addresses collateral coverage gaps in commercial lending through structured financing, thematically related to CollateralEdge's collateral enhancement approach for community bank C&I loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

CollateralEdge social profiles

Digital presence

CollateralEdge compliance and trust

Trust signal

Compliance1 record

CollateralEdge financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CollateralEdge leadership team

Management profile

Number of profiles

Profiles4 records

CollateralEdge funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CollateralEdge M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CollateralEdge

What does CollateralEdge do?

CollateralEdge operates a cloud-based sales-enablement platform that supplies community and regional banks with real-time collateral coverage (stand-by letters of credit) to address short-term underwriting concerns on commercial and industrial (C&I) loans ranging from $100K to $25M. Through its proprietary Pricing Portal, bankers submit deal data and receive collateral coverage quotes in under 10 seconds, with coverage amounts up to $5M and durations up to 18 months, without requiring software integration or core system changes.

Is CollateralEdge a public or private company?

CollateralEdge is a private company. It is classified as venture growth investor backed and is currently operating.

When was CollateralEdge founded?

CollateralEdge was founded in 2021. It employs 1 to 10 people.

Where is CollateralEdge based?

CollateralEdge is headquartered in Richardson, United States, in the North America region.

How does CollateralEdge make money?

One revenue line is on record: collateral Coverage Fees.

Who are CollateralEdge's main competitors?

LoanStreet is listed as a direct peer. Broad incumbents are Currency, Abrigo, nCino, Jack Henry, Funding Circle and OnDeck. Emerging players are Lendio and BlueVine. Caterpillar Financial Services (Cat Financial) is listed as an others.

Does CollateralEdge have an API?

No public API is recorded for CollateralEdge.

What industry is CollateralEdge in?

CollateralEdge's product category is Commercial Lending Software. Its primary akta.pro industry code is FSACALAE, Collateral & Margin Operations (CSA/UMR/IM/VM), with a secondary code of FSAAAOAI, Securities Lending & Collateral Management. Its NAICS code is 522 and its SIC code is 6153.

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Live signals
Pulse 2.0Phalanx Impact Partners Invests In FinTech Company CollateralEdgePhalanx Impact Partners has announced an investment in CollateralEdge, a FinTech platform designed to help community and regional banks structure competitive commercial loans for underserved communities. This funding supports CollateralEdge's mission to expand access to middle-market credit by automating collateral support and reducing underwriting concerns for lenders. The company is also recognized as the first FinTech partner for the IBATx accelerator program developed by the Independent Bankers Association of Texas.FinSMEsCollateralEdge Receives Investment From Phalanx Impact PartnersCollateralEdge, a Dallas-based FinTech company, received an undisclosed investment from Phalanx Impact Partners. The funding supports the platform's mission to help community banks structure commercial loans by providing hard collateral support and streamlining underwriting for small and middle-market businesses.SecSEC FORM DCollateralEdge LLC filed a Form D with the SEC to report an exempt securities offering under Rule 506(b). The company raised a total of $3,355,000 from 32 investors, with no remaining amount left to be sold. Proceeds include estimated salaries for executive officers.Business InsiderHere's the 10-page deck CollateralEdge, a fintech streamlining how small banks lend to businesses, used to raise a $3.5 million seed roundCollateralEdge, a Dallas-based fintech, raised a $3.5 million seed round led by Perot Jain on October 20th. The company helps regional banks analyze and price commercial loans for middle-market firms. It plans to expand into revolving credit lines and commercial real estate credit, with a revolver product launching in the first quarter of next year.FinSMEsCollateralEdge Raises $3.5M in Seed FundingCollateralEdge, a Dallas-based fintech, raised $3.5M in seed funding after emerging from stealth. Backers include Perot Jain, Kneeland Youngblood, and others. The company will use the funds to expand its team and accelerate partnerships with community and regional banks.Dallas Innovates'The Next Fintech Unicorn': Dallas-Based CollateralEdge Emerges From Stealth With $3.5M and a Stellar Investor Group » Dallas InnovatesDallas-based fintech startup CollateralEdge has emerged from stealth with a $3.5 million oversubscribed seed round to provide a credit risk mitigation platform for community and regional banks. Co-founded by Joe Beard and Joel Radtke, the company aims to help lenders overcome collateral shortfalls and expand middle-market lending capacity without increasing credit risk. The investor group includes VC firm Perot Jain, Capital Factory CEO Josh Baer, and Pharos Capital Group founding partner Kneeland Youngblood.