Solutions
For banks and lenders
Manage concentration risk, expand deal flow, and participate loans through a private network of vetted institutional counterparties.
Challenges we address
Concentration Risk
Regulators and internal risk committees flag overexposure to specific borrowers, industries, or geographies. You need a discreet channel to offload participations without broadcasting your portfolio composition.
Limited Deal Flow
Your geographic market or relationship network only produces a finite number of quality commercial loan opportunities. Growth requires access to deals beyond your existing referral sources.
Counterparty Uncertainty
Participating loans with unfamiliar institutions introduces reputational and operational risk. You need confidence that counterparties meet institutional standards before sharing sensitive deal data.
Manual Processes
Sharing loan packages via email, tracking access to confidential documents, and managing counterparty communications through ad hoc channels creates compliance gaps and operational inefficiency.
Platform capabilities
Private Deal Listings
Post anonymized deal summaries visible only to approved members. Control who sees your opportunities and grant access to full documentation on a counterparty-by-counterparty basis.
Counterparty Vetting
Every institution on the platform has been reviewed for regulatory standing, licensing, and professional reputation. Trust scores provide additional transparency based on completed transactions.
Secure Document Exchange
Share loan packages, financial statements, and appraisals through encrypted document rooms with signed URLs, watermarked viewing, and full access audit trails.
Deal Filtering and Alerts
Set criteria for the types of deals your institution wants to see. Receive notifications when new opportunities match your lending appetite without manual searching.
Compliance Infrastructure
Platform-level confidentiality agreements, audit logs, and data retention policies are designed for the regulatory environment that banks and lenders operate within.
Transaction History
Build a verifiable record of completed transactions on the platform. Your deal history contributes to your institution's trust rating and standing within the network.
How banks use Fence and Ledger
Participation Sales
A regional bank with a large single-borrower commercial real estate exposure lists a participation interest on Fence and Ledger. Three qualified institutions request access, review the package, and the bank selects a counterparty to complete the participation.
Loan Sourcing
A community bank looking to grow its commercial and industrial portfolio sets up deal alerts for C&I loans in adjacent markets. When a matching opportunity appears, the bank requests access and reviews the package within the platform.
Syndication Support
A mid-size lender originating a large construction loan uses Fence and Ledger to identify co-lenders from the vetted network, share the deal package securely, and coordinate participation commitments.
Join the exchange
Apply for membership and connect your institution to a private network of qualified commercial lending counterparties.