Collateral Oversight & Risk Analytics

Real-Time Collateral
Monitoring for
Today's Lenders

CORA transforms how asset-based lenders monitor collateral — automated ineligibles, live borrowing base visibility, portfolio-wide risk intelligence, and field exam management in one platform.

Built for
AR & Borrowing Base
Inventory & NOLV
Field Exam Management
M&E Appraisal
13-Week Cash Flow
25%
Average reduction in monitoring costs
14+
Borrowers across ABL & Term Loan facilities
Real
Time
Collateral availability & risk alerts
1
Platform for the full collateral lifecycle
The Platform

Intelligence across
your entire portfolio

One dashboard. Every borrower. Real-time collateral and risk visibility.

 app.coraabl.com / portfolio
Main
Summary
Analytics 3
Actions 7
Reports
Borrowers
Apex Manufacturing
Blue Ridge Dist.
Cascade Industries
+ 11 more
Portfolio Overview
14 Borrowers · 12 ABL · 2 Term Loan
Summary
Analytics
Actions
Reports
Total Exposure
$284.6M
↑ 3.2% MoM
Avg Availability
68.4%
↓ 1.8% — watch
Active Alerts
7
3 critical · 4 warning
Compliance Rate
91.4%
↑ On track
Availability Trend 6mo
Portfolio Risk Live
BorrowerExposureRisk
Apex Mfg.$42.1MLOW
Blue Ridge$28.7MMED
Cascade Ind.$19.4MHIGH
Delta Whsl.$33.2MLOW
Collateral Mix Live
AR50%
Inv.30%
M&E20%
Cascade Industries — Availability below 55% threshold
12m
Blue Ridge — Field exam overdue 14d
2h
Apex Mfg. — BBC received & processed
4h
Risk Migration Matrix
8Low Risk
4Moderate
2High Risk
↑3Improved
→6Stable
↓5Declined
Availability by Borrower
Apex Mfg.78%
Blue Ridge62%
Cascade51%
Delta Whsl.84%
Evergreen71%
Cascade Industries — Availability below 55% threshold — immediate review required
12m
Blue Ridge Dist. — Concentration exceeds 40% limit on Debtor A
1h
Pinnacle Mfg. — BBC 12 days overdue — IRL issued
2h
Blue Ridge Dist. — Field exam overdue by 14 days
2h
Cascade Industries — NOLV appraisal expires in 45 days
6h
Riverside Foods — 90+ day AR bucket approaching 25% limit
8h
Apex Mfg. — BBC received and processed successfully
4h
Q1 2025 Portfolio Review
Generated Mar 8, 2025 · 14 borrowers · PDF
Ready
Apex Manufacturing — Field Exam Report
Generated Mar 5, 2025 · Site visit complete
Ready
Cascade Industries — BBC Analysis
Awaiting March BBC submission
Pending
Portfolio Risk Summary — March 2025
Auto-generated · Ready for credit review
New
Core Capabilities

Built for the full
collateral lifecycle

Purpose-built for ABL and private credit — not a generic CRM.

01
AR Monitoring & Ineligibles
Automated aging bucket analysis, concentration calculations, and ineligible determination — updated with every BBC submission.
02
Inventory & NOLV
Dual-methodology NOLV covering finished goods, raw materials, and WIP — with HILT guardrail flagging and SKU-level drill-down.
03
M&E Appraisal Tracking
Appraisal schedules, OLV tracking, and depreciation fully integrated into borrowing base availability calculations.
04
Field Exam Management
Schedule exams, track compliance, generate site visit reports, and maintain a complete audit trail — all in the platform.
05
Real-Time Risk Intelligence
Portfolio-wide risk migration scoring, availability trends, covenant compliance, and automated alerts before problems become losses.
06
13-Week Cash Flow
Integrated forecasting for term loan and ABL borrowers — weekly actuals vs. projections with automatic variance flagging.

See CORA
in action

Schedule a personalized demo and see how CORA transforms your collateral monitoring workflow.

The Platform

Built for how ABL
teams actually work

A purpose-built intelligence layer spanning your entire collateral lifecycle — ingestion, eligibility, monitoring, and reporting.

1
Universal Data Ingestion
CORA ingests borrower-submitted reports in any format. Our engine normalizes and maps data automatically — no manual reformatting required.
2
Automated Eligibility Engine
Ineligibles calculated in real time against your facility's advance rates, concentration limits, and custom eligibility rules.
3
Portfolio-Wide Intelligence
Risk scores, availability trends, and covenant compliance roll up into a single dashboard for deal teams and credit officers.
4
Proactive Alerts & Reporting
Automated alerts surface early warning signals. Reports, IRL requests, and field exam packages generated with one click.
Live Eligibility — Apex Manufacturing
Gross AR$18.4M
Less: Ineligibles($3.2M)
Eligible AR$15.2M
Inventory NOLV$6.8M
Total Availability$22.0M
Active Alerts
Over-concentration: Debtor A
90+ day bucket near limit
BBC received — processing

See it live
in your portfolio

We'll walk you through the full platform with a live demo tailored to your facility structure.

Our Approach

How CORA Works
From Day One

A proven four-stage methodology — from initial collateral review through continuous automated monitoring — built around your facility structure.

STAGE 01
Initial Collateral Review
In-depth analysis of your collateral — AR aging, inventory schedules, M&E appraisals — and mapping of your facility's eligibility rules and advance rates.
STAGE 02
Custom Monitoring Build
Automated, repeatable monitoring solution configured to your exact specifications — data ingestion pipelines, eligibility engines, and reporting workflows.
STAGE 03
Continuous Oversight
CORA runs in the background — ingesting borrower submissions, recalculating availability, flagging exceptions, and alerting your team in real time.
STAGE 04
On-Demand Intelligence
Live dashboards, compliance reports, field exam packages, and portfolio analytics available any time — without waiting for a scheduled review cycle.

AR & Borrowing Base

CORA's eligibility engine processes BBC submissions and AR aging to automatically calculate ineligibles, borrowing base availability, and concentration exposures.

  • Automated aging bucket categorization
  • Concentration and cross-age ineligibles
  • BBC reconciliation and variance tracking
  • Real-time availability updates on submission

Inventory & NOLV

Dual-methodology NOLV with HILT guardrail monitoring — covering finished goods, raw materials, WIP, and excess inventory with cost-based valuation.

  • Percentage-of-selling-price for in-line FG
  • Percentage-of-cost for excess FG, RM & WIP
  • HILT flags for out-of-range guardrail values
  • Three-tiered fail-safe for missing data

Field Exams & Compliance

Complete field exam lifecycle management — from scheduling through report generation — with integrated IRL workflows and compliance tracking.

  • Field exam scheduling and deadline tracking
  • IRL (Information Request List) workflows
  • Site visit report generation
  • Compliance calendar with automated reminders

Risk & Portfolio Intelligence

Portfolio-wide risk scoring, migration analysis, and trend visualization — giving credit teams a real-time read on every borrower relationship.

  • Risk migration matrix and scoring
  • Availability trend analysis by borrower
  • Covenant compliance monitoring
  • Automated early warning alerts

See the process
in action

We'll walk you through a live demo tailored to your portfolio.

Solutions

Built for both sides
of the relationship

Whether you run an ABL portfolio at a regional bank or manage private credit relationships, CORA is built around how your team works.

ABL Lenders
Asset-Based Lending Teams
Real-time collateral intelligence across your entire portfolio — from initial underwriting through ongoing monitoring. Eliminate spreadsheets, reduce manual work, and catch problems early.
  • Portfolio-wide borrowing base dashboard
  • Automated ineligible calculations and AR aging
  • Field exam scheduling and compliance tracking
  • Risk migration scoring and early warning alerts
  • One-click reporting for credit review packages
  • Inventory NOLV and M&E appraisal tracking
Private Credit
Private Credit & PE-Backed Lenders
CORA scales to the complexity of term loan facilities — covenant monitoring, cash flow tracking, and collateral coverage in one place, built for the depth private credit demands.
  • Term loan covenant compliance monitoring
  • 13-week cash flow actuals vs. projections
  • Excess cash flow and ECF calculations
  • M&E appraisal schedule and OLV tracking
  • Integrated IRL and information request workflows
  • Portfolio-wide risk and maturity analysis
Why CORA
Purpose-Built for ABL
Not a generic CRM. Built from the ground up around ABL monitoring — the data structures, eligibility rules, and workflows your team uses every day.
Automated & Repeatable
Once configured for your facility, CORA runs automatically — ingesting submissions, recalculating availability, flagging exceptions — without manual intervention.
25% Cost Reduction
By automating data collection, reconciliation, and reporting, CORA reduces monitoring costs by 25% on average across active portfolios.

Find your fit

Talk to us and we'll show you exactly how CORA fits your workflow.

Get in Touch

Let's talk about
your portfolio

Whether you want to modernize your ABL monitoring or simply want to see what CORA can do — we'd love to walk you through it.

Location
Boston, MA 02108
Response Time
Within 1 business day
What to expect in a demo
  • 30-minute platform walkthrough
  • Live eligibility calculation with sample data
  • Portfolio dashboard and risk analytics tour
  • Discussion of your specific use case
Request a Demo
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