CapitalStream automates the origination process and ongoing account management enabling all customer-facing team members to close deals more quickly and consistently. The entire front office team along with business partners can now use a standard Web browser to:

	Automatically generate, update, revise, store, and deliver contracts and all other documents electronically.

By replacing manual procedures, cumbersome paperwork and disparate systems with one integrated Straight Through Processing platform, CapitalStream speeds up sales, data gathering, pricing, credit analysis document generation, closing, funding, booking and ongoing account monitoring. Steps that took hours or even days to complete now take minutes or are no longer necessary. Fewer people can do more work in less time. Customers get a fast response so deals close more quickly and more often.


Your front office can enter and maintain all customer, related party, collateral, asset, terms and other information necessary to sell a new deal or additional business:

• Enter applications using a browser
• Validate all information immediately
• Initiate the origination workflow automatically

Manage complex applications including:

Partners and customers can submit applications directly over the Internet and monitor the entire origination process from their offices.


Instantly quote new opportunities and automatically prepare term sheets, payment and amortization schedules:

• Base terms on flexible rates, terms, risk, residual and end-of-term options
• Update rates and cost of funds automatically based on common indexes (e.g. LIBOR, LTT)
• Allow authorized users to negotiate terms within controlled limits
• Instantly issue term sheets to customers via Web, e-mail, mail or fax
• Maintain an electronic record of all pending proposals and decisions
• Value and analyze sophisticated deal structures using your current models and tools

Manage sophisticated credit decision processes and strategies. Manage complex relationships with automatic routing and decision tracking for larger transactions. Integrate automated credit scoring models for smaller transactions.

• Retrieve credit information and scores from any credit agency including Experian, Transunion, Equifax, Paynet, D&B and other regional providers around the world
• Calculate and retrieve credit scores directly from Fair Isaac's LiquidCredit® or other scoring engines
• Define distinct approval processes for each type of transaction or size of relationship based on any criteria
• Automatically approve or decline transactions based on flexible decision strategies
• When manual review is required, automatically route the transaction through a flexible hierarchy of reviewers, including a credit committee
• Route information about customer credit and relationship to the appropriate credit analyst
• Check individual approval limits to ensure necessary authority
• If any reviewer declines or restructures the transaction, automatically reroute the transaction for re-review

Automatically generate and update contracts and other documents on demand, eliminating the errors and manual procedures that so frequently irritate customers and delay closing. No more out of date documents that need to be corrected as the deal changes.

• Send documents by Web, mail, fax or email as a PDF (read-only) file
• Easily incorporate either standard or customized amendments to manage common changes to documents
• Automatically include different documents according to the requirements of each deal and add documents as needed
• Store all inbound documents as scanned images and associate them with the corresponding customer and transaction
• Track all required documentation through flexible checklists
• Easily access all documentation through the electronic filing cabinet

CapitalStream supports the entire lending cycle starting with sales, relationship management, call tracking and pipeline management and extends beyond origination, credit and documentation to include:

• Due Diligence – Address approval conditions and collect required information and documentation such as collateral, appraisals, title and UCC/security searches.
• Closing – Deliver, sign and record all documents and monitor for any post closing exceptions
• Booking – Initiate the loan or lease and customer account in the servicing system and process all final compliance information
• Decline and Withdrawal – at any time the application can be denied or withdrawn which will initiate any notifications, close the loan application and monitor for compliance.
• Account Management – Handle ongoing changes including restructures, modifications, renewals, reviews and risk rating changes.
• Account Monitoring – Track financial statement and performance covenants, UCC/Security filings, insurance, appraisals and supporting customer communications.

Learn how CapitalStream supports collaboration across your enterprise >>