In the aftermath of the 2008 financial crisis, regulators implemented Basel III to fortify the global banking system. Among its many provisions, collateral optimization emerged as a critical strategy ...

Automated collateral evaluation (ACE) leverages proprietary models along with historical data and public records to allow lenders to originate certain loans without an appraisal. It’s a contactless ...

Collateral is a valuable asset (like a car, house or even cash) you can pledge to secure a loan. If you fail to repay your loan, the lender can seize whatever you've put up as collateral. Financial ...

Collateral can make loans less risky for the lender since the assets can be seized if borrowers don’t repay their loans Collateralized loans are generally easier to get and come with more favorable ...