ABC Value is a credit intelligence platform that automates and accelerates the analysis of non-performing loan (NPL) and unlikely-to-pay (UTP) real estate credit portfolios. The platform streamlines the entire workflow, from guided data onboarding and automated cadastral and mortgage verifications to information enrichment and property valuation updates. It enables portfolio managers to complete in weeks what traditionally takes months of manual analysis.
Funding
Funding not disclosed
Founders
Product
Problem
Real estate credit portfolio analysis, particularly for non-performing loans (NPL) and unlikely-to-pay (UTP) positions, is a highly manual and time-consuming process. Analysts must verify property data, check cadastral and mortgage records, and enrich debtor information across multiple sources, limiting a single manager to reviewing only 3-4 positions per day and delaying comprehensive portfolio assessments.
Solution
ABC Value is a credit intelligence platform that automates and accelerates the analysis of real estate credit portfolios. The platform guides users through a structured workflow, starting with automated data tape import and provisional classification, followed by validation of onboarding data and automated cadastral and ipocatastral verifications. It enriches information by analyzing additional debtor and guarantor properties, retrieving unofficial financial reliability data, and integrating multiple AVM models with auction analysis to update property valuations. A configurable dashboard provides interactive performance monitoring, automatic clustering by credit quality, and economic simulations to support strategic planning.
Target Audience
Primary customers are credit portfolio managers, NPL/UTP servicers, and real estate credit investors who need to analyze and manage non-performing loan portfolios efficiently.
Features
- Guided data onboarding that automates data tape import and provides provisional classification and valuation of positions
- Automated cadastral verifications to validate property consistency, detect variations, and confirm ownership shares
- Automated ipocatastral verifications to validate mortgages, grades, expirations, and check subordinations
- Information enrichment through analysis of additional debtor/guarantor properties and retrieval of unofficial financial reliability data
- Integration of multiple AVM models and auction analysis for updated and more accurate property valuations
- Interactive dashboard with synthetic performance indicators, automatic credit quality clustering, and configurable targeted analyses
- Economic simulation tools projecting judicial costs and potential returns on a quarterly basis to support recovery strategies