Warehouse Lines
Every loan on the line checked every day, so an aged loan or a failed take-out is an action, not a surprise.
Why it matters
Warehouse lenders fund against collateral files and investor commitments; aged loans, missing notes and failed take-outs turn up in end-of-day spreadsheets, often late.
How the solution handles it
Agents check each funded loan’s collateral file, match it to an investor take-out commitment, and track days on the line against the dwell limit. A covenant reader tests each originator’s liquidity and net worth from its financials. Each morning the exceptions arrive with reasons; a warehouse credit officer decides curtailments.
How a warehouse line is watched
Five agents check collateral files, match take-outs, track aging and covenants and write each exception; a warehouse credit officer decides.
What it reads, and what it hands back.
What goes in
- Funding requests and wire data
- Collateral files (note, endorsement, bailee letter)
- Investor take-out commitments
- Daily pipeline and aging report
- Originator financials and covenants
What comes out
- Daily exception list with reasons
- Aging and dwell-limit alerts
- Curtailment or margin-call draft
- Originator covenant check
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
typical dwell vs. limit
“Target” = design goal, measured in the live solution · “Typical” = published dwell times (10–20 days) and limits (e.g. 45 days) from warehouse lenders
5 specialist agents. One person decides.
More in this division.
Every bridge loan’s exit tested at close and re-tested monthly, so a weak refinance shows up while there is time.
Fix-and-FlipEvery flip sized on the lesser of cost and after-repair value, and every draw checked against the scope.
Litigation FinanceEvery funding request read and screened in a day, so lawyers spend their time on the few worth a deep look.
Build this
for your team.
We’ll show Warehouse Lines running on your own documents.