Our Approach

How CORA Works From Day One

A proven four-stage methodology — from initial collateral review through continuous automated monitoring — built around your facility structure.

STAGE 01

Underwriting & Facility Structuring

Structure the deal in CORA before the first BBC: model advance rates, sublimits, reserves, and concentration limits, size the borrowing base against real collateral, and stress-test eligibility before you commit. The structure you underwrite becomes the monitoring engine on day one.

STAGE 02

Initial Collateral Review

In-depth analysis of your collateral (AR aging, inventory schedules, M&E appraisals) and mapping of your facility's eligibility rules and advance rates.

STAGE 03

Custom Monitoring Build

Automated, repeatable monitoring solution configured to your exact specifications: data ingestion pipelines, eligibility engines, and reporting workflows.

STAGE 04

Continuous Oversight

CORA runs in the background, ingesting borrower submissions, recalculating availability, flagging exceptions, and alerting your team in real time.

STAGE 05

On-Demand Intelligence

Live dashboards, compliance reports, field exam packages, and portfolio analytics available any time, without waiting for a scheduled review cycle.

Underwriting & Deal Structuring

Structure and size new facilities inside CORA before they go live, then carry that structure straight into monitoring with no rebuild.

  • Advance rate, sublimit, and reserve modeling
  • Borrowing base sizing against actual AR, Inventory, and M&E data
  • Eligibility and ineligible rules configured once, applied on every cycle
  • Concentration and cross-age limit structuring
  • Approved deal terms flow directly into live monitoring

AR Analysis

CORA's eligibility engine processes BBC submissions and AR aging to automatically calculate ineligibles, concentration exposures, and real-time availability, feeding the result directly into the borrowing base.

  • Automated aging bucket categorization
  • Concentration and cross-age ineligibles
  • AR reconciliation and variance tracking
  • Real-time eligibility updates on every submission

Inventory & M&E Valuations

Continuous valuation across inventory and machinery & equipment — dual-methodology NOLV for inventory and OLV tracking for M&E, recalculated every BBC cycle with HILT guardrails flagging anomalies.

  • Percentage-of-selling-price for in-line finished goods
  • Percentage-of-cost for excess FG, raw materials & WIP
  • M&E OLV with continuous depreciation tracking
  • HILT flags for out-of-range guardrail values
  • Three-tiered fail-safe for missing or incomplete data

Borrowing Base Generation

Borrowing base certificates generated automatically from AR, Inventory, and M&E valuations — recalculated every submission, with variance tracking against the prior cycle. Included at no additional cost per borrower.

  • Auto-generated BBCs on every borrower submission
  • Real-time availability after every recalculation
  • Variance tracking against the prior BBC cycle
  • Borrower self-service submission via the dataroom
  • Included for every borrower — no per-BBC charge

Portfolio Platform

Roll up your entire portfolio into one view, then drill into any individual borrower for the complete picture. Each borrower screen spans Summary, AR aging, Inventory sub-tabs, M&E, Forecast, 13-Week Cash Flow, Term Loan covenants, Risk, Reports, and Limits — alongside the CRM layer for managing the relationship.

  • Portfolio-wide aggregation across every borrower
  • Individual borrower screens with 10 deep-dive tabs
  • CRM layer for requests, scheduling, and events
  • Shared workspace between deal team, credit, and field exam
  • Real-time refresh — no manual re-aggregation

Field Exams & Compliance

Complete field exam lifecycle management — from scheduling through report generation — with integrated IRL workflows and compliance tracking.

  • Field exam scheduling and deadline tracking
  • IRL (Information Request List) workflows
  • Site visit report generation
  • Compliance calendar with automated reminders

Risk Intelligence

Portfolio-wide risk scoring, migration analysis, and trend visualization — giving credit teams a real-time read on every borrower relationship.

  • Risk migration matrix and scoring
  • Availability trend analysis by borrower
  • Covenant compliance monitoring
  • Automated early warning alerts

See the process in action

We'll walk you through a live demo tailored to your portfolio.