Welcome to the future of debt

Legacy credit facilities are inflexible and overly complex, leaving lenders overexposed to risk, weighed down by long deal cycles, and drowning in operational costs.

And because they typically rely on monthly or quarterly reports for updates, lenders only learn about a problem when it's too late.







Without Fence

With Fence

Typical steps taken by debt providers:

01.

Receive outdated reports from the borrower (by email)

02.

Open, check and reconcile reports

03.

Suggest modifications, fix errors or request additional data

04.

Wait for originators to come back; iterate the process

05.

Receive borrowing base and disbursement certificates (by email)

06.

Disburse funds

07.

Receive and audit waterfall calculations

08.

Verify that waterfall payments are received correctly and on time

09.

Remediate or accelerate the debt if any covenant is breached

10.

Do it all over again next month

Welcome to the future of debt

Legacy credit facilities are inflexible and overly complex, leaving lenders overexposed to risk, weighed down by long deal cycles, and drowning in operational costs.

And because they typically rely on monthly or quarterly reports for updates, lenders only learn about a problem when it's too late.







Without Fence

With Fence

Typical steps taken by debt providers:

01.

Receive outdated reports from the borrower (by email)

02.

Open, check and reconcile reports

03.

Suggest modifications, fix errors or request additional data

04.

Wait for originators to come back; iterate the process

05.

Receive borrowing base and disbursement certificates (by email)

06.

Disburse funds

07.

Receive and audit waterfall calculations

08.

Verify that waterfall payments are received correctly and on time

09.

Remediate or accelerate the debt if any covenant is breached

10.

Do it all over again next month

Welcome to the future of debt

Legacy credit facilities are inflexible and overly complex, leaving lenders overexposed to risk, weighed down by long deal cycles, and drowning in operational costs.

And because they typically rely on monthly or quarterly reports for updates, lenders only learn about a problem when it's too late.







Without Fence

With Fence

Typical steps taken by debt providers:

01.

Receive outdated reports from the borrower (by email)

02.

Open, check and reconcile reports

03.

Suggest modifications, fix errors or request additional data

04.

Wait for originators to come back; iterate the process

05.

Receive borrowing base and disbursement certificates (by email)

06.

Disburse funds

07.

Receive and audit waterfall calculations

08.

Verify that waterfall payments are received correctly and on time

09.

Remediate or accelerate the debt if any covenant is breached

10.

Do it all over again next month

Welcome to the future of debt

Legacy credit facilities are inflexible and overly complex, leaving lenders overexposed to risk, weighed down by long deal cycles, and drowning in operational costs.

And because they typically rely on monthly or quarterly reports for updates, lenders only learn about a problem when it's too late.







Without Fence

With Fence

Typical steps taken by debt providers:

01.

Receive outdated reports from the borrower (by email)

02.

Open, check and reconcile reports

03.

Suggest modifications, fix errors or request additional data

04.

Wait for originators to come back; iterate the process

05.

Receive borrowing base and disbursement certificates (by email)

06.

Disburse funds

07.

Receive and audit waterfall calculations

08.

Verify that waterfall payments are received correctly and on time

09.

Remediate or accelerate the debt if any covenant is breached

10.

Do it all over again next month

All on one transparent platform

All on one transparent platform

With Fence you provide better products for borrowers while lowering back-office costs

With Fence you provide better products for borrowers while lowering back-office costs

With Fence you provide better products for borrowers while lowering back-office costs

Spreadsheets, PDFs, and emails on everything from notices of borrowing to waterfall reconciliations have been wasting your time for way too many years.

Spreadsheets, PDFs, and emails on everything from notices of borrowing to waterfall reconciliations have been wasting your time for way too many years.

Our smart contract-based platform provides your borrowers with real-time 'Capital on Demand', gives you full visibility into facility performance through custom reporting, and strengthens your deal origination, all while lowering your back-office costs.

Our smart contract-based platform provides your borrowers with real-time 'Capital on Demand', gives you full visibility into facility performance through custom reporting, and strengthens your deal origination, all while lowering your back-office costs.

Fence streamlines the complex operations behind capital flows, enabling lenders to move on from legacy tech and deliver credit to the very best opportunities out there - regardless of the operational hurdles behind the deal.

Fence streamlines the complex operations behind capital flows, enabling lenders to move on from legacy tech and deliver credit to the very best opportunities out there - regardless of the operational hurdles behind the deal.

Amidst the explosion of private credit, we know that debt investors are competing for the best assets.

Fence helps you identify and structure solutions that allow you to win the best deals, every time.

Amidst the explosion of private credit, we know that debt investors are competing for the best assets.

Fence helps you identify and structure solutions that allow you to win the best deals, every time.

working with fence

We help you deliver value at every stage of the credit facility

We help you deliver value at every stage of the credit facility

We help you deliver value at every stage of the credit facility

Underwrite only the risk you want

Analyze loan tapes to set the right terms with our pre-deal tool

Stress-test facilities to ensure proper functioning

Portfolio Recovery Dunamics

Underwrite only the risk you want

Analyze loan tapes to set the right terms with our pre-deal tool

Stress-test facilities to ensure proper functioning

Portfolio Recovery Dunamics

Lower back-office costs

Eliminate the need for constant reporting audit and fixing

Automate waterfall calculation and execution

Lower back-office costs

Eliminate the need for constant reporting audit and fixing

Automate waterfall calculation and execution

Check covenant and loan performance in real-time

Eliminate the need for constant reporting audit and fixing

Improve compliance by conditioning capital flows to covenant and reporting adherence

Check covenant and loan performance in real-time

Eliminate the need for constant reporting audit and fixing

Improve compliance by conditioning capital flows to covenant and reporting adherence

Win the best assets

Provide better value prop for borrowers and deliver capital instantly

Strengthen your deal origination

Win the best assets

Provide better value prop for borrowers and deliver capital instantly

Strengthen your deal origination

How Fence works for debt providers

How Fence works for debt providers

How Fence works for debt providers

We help you deliver value at every stage of the credit facility

  • 01.

    Pre-deal advisory & onboarding

    Our pre-deal tool helps you structure deals and negotiate term sheets with data

  • 02.

    Credit agreement digitization

    We parametrize the credit agreement to run the facility automatically

  • 03.

    Day to day operations and payments

    We act as verification, calculation payment and cash management agents

  • 04.

    Monitor and adapt with ease

    Track facilities in our easy-to-use platform, and order drawdown requests in a single click.

Let capital flow where you need it

Let capital flow where you need it

Let capital flow where you need it

Let capital flow where you need it