PlatformCapital OS
Automate capital operations around one version of the truth
The world’s leading capital providers and borrowers use Capital OS to work from one verified foundation and operate with greater speed and accuracy.
HOW IT WORKS
Where borrowers and capital providers work from a shared foundation
01
Smarter Foundation
Turn agreements into governed logic
AI extracts credit agreement rules and calculations into software for reporting, compliance, and funding.
02
Shared Workflows
Operate from one source of truth
Apply the same rules across reporting, compliance, and disputes so both sides can resolve issues faster.
03
Complete Record
Keep every decision on the record
Keep reviews, approvals, and sign-offs in one place for a complete audit trail.
Deliver a higher standard of reporting and compliance.
Submit reliable reports every time
Create funding, purchase, and settlement reports in each provider’s format and catch issues before they go out.
Maximize borrowing capacity
AI-powered allocation optimizes collateral across facilities, maintains compliance, and models scenarios before you commit.
Explore Asset Allocator
Stay ahead of every covenant
Proactively track eligibility, concentration limits, and performance triggers across every facility
Verify before you fund.
Verify every calculation
Verify funding, purchase, and settlement calculations against all required information.
Catch breaches before funding
Monitor complex terms with AI, from trailing periods to pro forma adjustments and permitted baskets.
Resolve discrepancies in one place
Review documents, approvals, and changes with borrowers in one shared workflow, with a complete audit trail.
Impacts
AI-powered coordination drives more consistent execution for the best in ABF
65 bps
annualized savings
98%
time savings
<24h
average time to fund
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FAQ
Need answers?
Capital OS automates the workflows of asset-backed finance for capital providers and borrowers. Part of Setpoint’s collaborative AI platform, it turns the terms of each credit agreement into governed logic. Borrowers run their reporting, asset allocation, and compliance on it. Capital providers verify calculations and resolve discrepancies before funding.
Yes. AI reads each credit agreement and translates its terms into software logic, and Setpoint's capital markets experts review before it goes live.
Borrowers report, allocate, and manage compliance from the model. Capital providers review and verify calculations before they fund.
No. Borrowers can generate reports and funding requests on Capital OS and submit to any capital provider. Capital providers can verify calculations whether or not the borrower is on Setpoint. Value compounds when both sides run on the collaborative platform, because can they work from the same agreement terms and have a shared portal for requests and communications. But none of the day-one value depends on it.