Setpoint offers a cloud‑based operating system that automates data ingestion, calculations, reporting, and compliance for warehouse facilities, forward flow, securitization, and other asset‑backed financing workflows. By connecting borrowers and lenders through configurable, API‑driven workflows and AI‑powered analytics, the platform enables intraday funding, real‑time loan‑level monitoring, and instant investor reporting, cutting funding times to under 24 hours and reducing operational costs for institutional banks and originators.
Funding
$31M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+1Founders
Product
Problem
Originators and lenders manage loan and securitization workflows using manual tools such as email, Excel, and FTP transfers, leading to errors, slow funding, and limited liquidity.
Solution
Setpoint provides a cloud‑based operating system that automates data ingestion, calculations, reporting, and compliance for warehouse facilities, forward flow, securitization, and asset‑backed financing. The platform connects borrowers and lenders, standardizes borrower data, and delivers real‑time analytics, enabling intraday funding, automated borrowing‑base calculations, and instant investor reporting. Integrated AI engines forecast cash flows and suggest optimal asset allocations, while third‑party review services ensure regulatory compliance. By replacing manual processes with configurable, end‑to‑end workflows, Setpoint reduces funding times to under 24 hours and cuts operational costs, allowing capital teams to focus on growth rather than data reconciliation.
Target Audience
Primary customers are institutional banks, asset‑backed securities originators, and real‑estate lenders that manage ABL, warehouse, and securitization facilities.
Features
- Automated data ingestion and calculation engine that eliminates manual Excel and FTP workflows
- Real‑time loan‑level analytics, compliance monitoring, and third‑party certification dashboards
- AI‑driven scenario modeling and cash‑flow projection for optimal asset allocation and ROI
- Integrated borrowing‑base automation and monthly servicer reporting with 99% time reduction
- White‑glove onboarding and configurable workflows for warehouse lines, forward flow, and securitizations
- API‑based integration with existing capital market systems for seamless data exchange