Triquesta offers the TERMS platform, a web‑based solution that consolidates and normalizes data from diverse asset‑based collateral—such as inventory, equipment, aircraft, vessels, and CO₂ certificates—into a unified taxonomy. The platform automates loan‑to‑valuation, real‑time risk monitoring, and IFRS/GAAP compliance checks, generating regulatory reports and audit trails for corporate and commercial banks.
Funding
Funding not disclosed
Founders
Product
Problem
Banks that originate asset‑based loans must track heterogeneous collateral types, ensure ongoing compliance with IFRS and GAAP, and maintain accurate risk metrics across multiple jurisdictions. Inconsistent asset classification and fragmented data sources make portfolio monitoring labor‑intensive and prone to errors, limiting the ability to manage balance‑sheet exposure effectively.
Solution
Triquesta delivers the TERMS platform, a centralized solution that standardizes asset categories and automates risk, compliance, and balance‑sheet reporting for asset‑based lending portfolios. The system ingests data from diverse collateral sources—warehouse inventories, equipment registries, aircraft records, vessel tracking, and even CO₂ certificates—and applies a unified taxonomy to enable consistent valuation and loan‑to‑valuation calculations. Real‑time analytics flag compliance breaches against IFRS/GAAP rules and generate regulatory reports for auditors and senior management. Configurable risk models allow banks to tailor exposure limits and sanction checks at the transaction level, while a web‑based dashboard provides consolidated visibility across all asset classes.
Target Audience
The primary customers are corporate and commercial banks, as well as structured finance divisions, that originate and manage asset‑based lending across multiple collateral categories.
Features
- Unified asset taxonomy engine that normalizes data from warehouse, equipment, aviation, maritime, and environmental collateral types
- Real‑time risk monitoring with automated loan‑to‑valuation, economic risk, and financial risk calculations
- Built‑in IFRS and GAAP compliance checks with auto‑generated regulatory reports and audit trails
- Integration of external data feeds such as vessel tracking, ETA services, and sanction screening at the transaction level
- Support for emerging collateral, including CO₂ emission certificates, with impact‑adjusted lending metrics
- Fully configurable collateral profiles and risk rules to match institution‑specific underwriting policies
- Secure, role‑based web dashboard delivering consolidated portfolio views and drill‑down analytics for risk officers and senior executives