Tech‑Native Facility Agency for Asset‑Backed Finance
Fence automates verification, calculation, and cash management so facilities operate in real time with institutional control.
Four agency functions, unified in one system
Fence replaces fragmented workflows with a single platform that enforces facility rules continuously. Mandated at the facility level and modular for new or existing SPVs.
Verification Agency
Asset existence checks, double-pledging detection, collections and disbursement verification — validated against third-party sources.
100% of assets verified continuously against independent sources — not sample-based annual audits.
Calculation Agency
Asset eligibility, collections reconciliation, covenant tracking, waterfall calculations, automated reports, certificates, and real-time alerts.
Continuous calculations on live data with automated certificates — not month-end snapshots and manual reports.
Cash Management
Drawdowns, asset purchases, collections sweeps, waterfall execution, cash recycling, MCA operations, and treasury management.
Same-day funding and intraday cash recycling — no idle capital or manual reconciliation.
Data Analysis & Portfolio Aggregation
Simulations, projections, and unified analytics across SPVs and facilities.
AI‑powered analysis with portfolio‑wide aggregation — not just reporting, but decision‑making tools.
Connected to the source, not reliant on spreadsheets
Fence connects directly to originator backends, payment service providers, and third-party databases. No Excel exports, no email attachments — data flows from the source without human intervention.
Originator & servicer backends
Loan tapes, underwriting data, and servicing events via API
Payment providers
Visa, Stripe, DocuSign — real-time transaction data
Bank accounts
Open banking integrations for balance and transaction data
Public registries & databases
External reference data and regulatory sources
Built for capital providers and asset originators
Fence is infrastructure for both sides of the facility, aligned to institutional controls and originator speed.
Capital Providers
Real‑time visibility, automated covenants, and lower operational overhead.
Explore capital providersAsset Originators
Instant funding, automated operations, and continuous portfolio insight.
Explore originatorsOperational efficiency with institutional‑grade controls
Instant funding
T+0 fundingCapital can move same-day when data and terms are configured. No waiting for manual reviews or batch processing.
New asset classes
Real-time operations make high-frequency, granular assets — MCAs, credit card receivables, daily-originated loans — viable for institutional capital.
100% verification
Full coveragePortfolio-level checks with audit-ready, immutable logs. Every asset validated against independent sources continuously.
Lower cost of capital
Lower CoDGreater transparency reduces perceived risk — lenders improve risk-adjusted returns while borrowers access better terms.
From term sheet to real‑time operations in three steps
Digitize facility terms
Encode covenants, eligibility, and waterfall logic into executable rules.
Connect data sources
Integrate originator and servicer systems via API or scheduled feeds.
Operate in real time
Continuous monitoring, cash tracing, and automated funding with audit‑ready reporting.
Trusted by finance leaders
“Fence transformed how we manage our warehouse facilities. What used to take days now happens in real-time.”
“The visibility and automation Fence provides has materially reduced our cost of debt and operational overhead.”
Names available upon request during discovery calls.
BBVA × Payflow
Always‑on facility with automated reporting, cash movements, and real‑time monitoring.
- Instant visibility into eligibility and performance
- Automated drawdowns and distributions
- Material reduction in interest cost and back‑office load
Institution‑grade infrastructure, built for the internet era
Fence is asset‑light infrastructure for debt operations. We focus on precision, transparency, and neutrality so lenders and originators can operate with confidence.
Precision
Rules enforced continuously with minimal manual intervention.
Transparency
Real‑time reporting and clear audit trails for all parties.
Neutrality
No balance‑sheet risk. Fence operates as infrastructure.
Modernize your facility operations
Talk to our team about deploying a tech‑native facility agency.