Platform
The AI-native operating standard behind the best in asset-backed finance
Leading capital providers and borrowers run data, capital workflows, and portfolio intelligence on one system to gain an operating edge.
The Problem
ABF still runs on spreadsheets, email, PDFs, and good faith
Costly errors
Unverified data and calculations lead to mistakes and unnecessary risk.
No shared truth
Both sides reconcile calculations and approvals from different versions of the truth.
Risk hides in silos
Deal-by-deal monitoring makes it harder to see issues across the portfolio.
Our Approach
Operate at a higher standard across asset-backed finance
Setpoint brings verified data, capital workflows, portfolio intelligence, and expert services together in one AI-native platform.
THE VERIFIED FOUNDATION
Verify and standardize data
Extract, standardize, and verify scattered asset and servicer data into a reliable, transparent foundation for both parties to operate from.
Explore Data OS
THE WORKFLOWS
Automate reporting and compliance
Turn credit agreements into governed logic both parties operate from to automate reporting, compliance, and discrepancy resolution.
Explore Capital OS
THE LIVE VIEW
See risk and opportunity in real-time
Continuously monitor trends and risk across your portfolio, with every insight grounded in verified data and ABF-specific business logic.
Explore Insight OS
THE EXPERT TEAM
Put Setpoint experts to work for you
Setpoint combines purpose-built technology with capital markets experts to verify collateral, validate calculations, and manage critical workflows.
Explore RolesHow top capital markets teams use Setpoint:
- Create and validate data tapes
- Analyze financial statements
- Optimize collateral allocation
- Certify pledged collateral
- Cash reconciliation
- Borrowing base reporting
- Verify reports and calculations
- Track collateral performance
- Monitor compliance
- Create investor reports
FAQ
Need answers?
Setpoint is the AI-native operating standard for asset-backed finance, built for the unique needs of both capital providers and borrowers. It brings greater accuracy, consistency, and control to the data and workflows behind ABF operations.
The AI-native Setpoint platform organizes and validates ABF-related data, translates complex credit agreements into software, and generates real-time portfolio analysis, monitoring, and reporting across three products: Data OS, Capital OS and Insight OS.
Unlike generic models, Setpoint's AI is built specifically for asset-backed finance. It works in two layers. First, Setpoint normalizes and standardizes your data, creating an apples-to-apples portfolio dataset across inconsistent source files, field names, and reporting formats. Then, capital markets experts apply your metric definitions, calculation rules, and dataset relationships in a business-aware semantic layer unique to your firm. The result is consistent, auditable outputs grounded in your data and your definitions.
Setpoint is for capital providers and borrowers in asset-backed finance. Clients include banks, private credit funds, originators, issuers, asset managers, insurance companies, and credit unions.
No. Most teams start with one product and add the others over time. Each works on its own, but all are strongest together.