Data-Driven Clarity for Every Deal
Collateral Services Inc. transforms borrower-submitted accounts receivable, accounts payable and inventory data into clean, actionable reports. These reports are tailored to each lender’s loan agreement, providing detailed visibility into collateral quality, borrower trends and potential risk.
Our Portfolio Analysis solution combines the strength of our custom-built AR/AP tools with our inventory analysis platform, giving lenders a single, unified view of every borrower’s position. Whether you’re onboarding a new client or monitoring a complex, multi-entity portfolio, CSI delivers clarity.
Industry and Asset Types
This solution supports borrowers across a wide range of industries, including:
- Manufacturing
- Distribution
- Wholesale
- Logistics
- Service-based industries
We support reporting and analysis for:
- Due diligence
- Open receivables
- Payables aging
- Multi-division and cross-entity structures
- Factored receivables
- Inventory (raw materials, WIP, finished goods)
- SKU-level detail and valuation trends
Common Challenges Solved:
- Data inconsistencies across borrower submissions
- Files that arrive in incompatible or outdated formats
- Loan agreements with complex eligibility rules
- Need to segment data by location, division or product line
- Manual spreadsheet work that delays decision-making
Benefits:
- Custom-built, lender-specific reporting for AR/AP and inventory
- Summary and drill-down capabilities across all data types
- Inventory trend visibility to track movement, value and stagnation
- Faster turnaround and greater confidence in collateral assessments
- Seamless support for multi-entity and variable-format borrower groups
Process Breakdown
CSI has collaborated with both system and business experts to create an ever-growing suite of tools and reports to help lenders better manage risk. CSI can step in at any stage throughout the life of a loan, from prefunding through all terms of the loan agreement including Due Diligence deals.
File Intake
Borrowers submit monthly AR, AP and inventory files in Excel, CSV, tab-delimited, non-scanned PDF, text or other supported formats.
Agreement Customization
CSI aligns reports to your unique loan agreements, applying eligibility logic that fits your criteria.
Translation & Analysis
Our team standardizes, analyzes and organizes the data to identify trends, discrepancies and eligibility results.
Support & Coordination
We work with your team or directly with borrowers if authorized to ensure timely submissions and accurate reporting every cycle.
Output
Solutions
We deliver lender-ready reports including:
• Collateral summaries
• Invoice-level AR aging
• Top 10 customers by value or trend
• Inventory by category, cost change or location
• Eligibility/ineligibility breakdowns
• Over-advance warnings
• Multi-month trend comparisons across both AR and inventory
“My firm provides field exam services to a number of domestic lenders, and we regularly get data files in a format that cannot be electronically processed or analyzed. We rely on Chris and his team at CSI to convert these files into Excel – CSI is quick and responsive to our requests, which gives us the ability to then perform our work in a highly efficient and effective manner. This has saved us a number of man-hours over the years and has allowed us to remain competitive in both our pricing and the overall quality of our work.”