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Services

Unbundled Facility Agency Services

Choose one service or deploy the full stack. Fence unifies verification, calculation, and cash management into a single real-time platform.

100%
Portfolio verified continuously, before every funding event
Verification Agency →
T+0
Funding turnaround with automated drawdowns and cash recycling
Cash Management →
24/7
Continuous covenant tracking with early-warning alerts
Calculation Agency →
New
Asset classes unlocked: MCAs, credit card receivables, daily-originated loans
Learn more →
The Key Difference

Connected to the source — not reliant on spreadsheets

Fence connects directly to originator backends, payment service providers, and third-party databases. Data flows from the source without human intervention.

Traditional Agent
Email loan tape Day 1
Manual Excel processing Day 2-3
Human review & approval Day 4-5
Generate PDF report Day 6
Cash movement initiated Day 7+
Fence
API ingests data from source Instant
Automated verification & calculation Seconds
Compliance checks pass Real-time
Cash moves automatically Same day
Verification Agency

Independent asset and payment verification

Fence verifies every asset against independent third-party sources — connected directly to originator backends, payment providers, and external databases.

100% of the portfolio, continuously, before funding
Asset existence — verify via bank APIs, DocuSign, payment providers, public registries, and document ingestion
Double-pledging detection — cross-reference across Fence facilities and external records
Collections verification — confirm payments originate from the expected end borrower
Disbursement verification — confirm funds reached the intended destination
Bank APIs
DocuSign
Visa
Registries
Stripe
Payment
Providers
Fence
Calculation Agency

Automated calculations, covenant tracking, and reporting

Every facility metric — calculated continuously on live data, not month-end snapshots. Automated reports and certificates replace manual workflows.

Asset eligibility — ingest loan tapes and validate in real time
Borrowing base & metrics — concentration, advance rates, updated continuously
Covenant tracking & alerts — early-warning notifications before breaches
Reports & certificates — borrowing base, compliance, investor updates, on demand
Facility WHL-0042
Live
Borrowing Base
$0
Advance Rate
0%
Net Yield
0%
Borrowing Base
Concentration
Adv. Rate 87%
Min Revenue
Financials
Advance rate approaching 90% threshold 3 alerts
Cash Management
Live
1 Asset originated, data sent to Fence via API Instant
2 Eligibility verified against facility criteria Seconds
3 Borrowing base updated, drawdown triggered Automatic
4 Cash advanced to originator, disbursed to end-customer Same day
Funding cycle
0 hrs
Assets funded today
0
1 Collections received from end-customers Real-time
2 Reconciled against assets, swept to SPV Automatic
3 Reserves checked — covenants, concentration, advance rate Continuous
4 Available cash released for new asset purchases Intraday
Cash recycled today
$2.4M
Idle capital
Near zero
1 Available distribution amount calculated Automatic
2 Waterfall rules applied: fees, senior interest, mezz, junior Per terms
3 Payments executed to each tranche Same day
4 Audit trail generated, investors notified Instant
Waterfall frequency
Daily
Manual errors
Zero
Cash Management

Automated payments and waterfall execution

Cash flows are executed based on facility rules, with programmable logic enforcement and audit-ready reporting. Fence orchestrates movements but never holds the funds.

Unlock capital velocity

When drawdowns, collections, and waterfalls happen in hours instead of days, idle cash disappears. Facilities that were too fast-moving for legacy agents become commercially viable at institutional scale.

Drawdowns & asset purchases — automate funding and deployment
Collections sweep & MCA management
Waterfall execution & cash recycling — daily distributions, intraday capital release
Treasury management — invest idle or restricted cash in approved instruments
Explore cash management in detail
Data Analysis & Portfolio Aggregation

Simulations, projections, and unified portfolio insight

Fence turns facility data into a decision-making tool — simulate portfolio changes, project future performance, and aggregate views across SPVs and deals.

Simulations — model portfolio changes, stress-test eligibility without committing
Projections — forecast payments, covenant evolution, amortization
Portfolio aggregation — unified views across SPVs, deals, and books
AI-powered analysis — query portfolio data in natural language
Simulation & Projection
Step 1
Current portfolio
→
Step 2
Simulate changes
→
Step 3
Compare projections
Today 3 months 6 months 12 months
Current projection
With simulated assets
Deployment

Mix and match

Each service works as a standalone module. Combine the ones your facility needs — no fixed bundles, no dependencies.

Verification Agency

Independent asset and payment verification as a standalone service for any facility.

Calculation Agency

Real-time metrics, covenant tracking, and automated reporting for any facility.

Cash Management

Automated drawdowns, collections, waterfall execution, and treasury management.

Comparison

Fence vs traditional trust and agency

Capability Traditional Fence
Data source
Email & Excel from originator
Direct API to backend & third parties
Verification coverage
5% sampled, annual audit
100% continuous, before funding
Covenant testing
Monthly at IPD
Continuous with early-warning alerts
Cash cycle
7+ days per funding cycle
Same-day funding, intraday recycling
Reporting
Periodic PDF reports
Live dashboards with AI self-service
Asset classes supported
Long-duration only (inefficient for short-term)
All durations incl. MCAs, receivables, daily loans
Cash management
Manual, multi-day, error-prone
Automated, same-day, audit-ready

Choose your deployment model

Start with one service or deploy the full stack.

Talk to our team