Lenders & ABL
Collateral you can
verify, not trust
Asset-based lenders, factors, and receivables funds underwrite against proof packages tied to live AR — buyer acknowledgment, UCC clearance, encumbrance status, and ledger tie-out in one workflow.
Borrowing bases deserve better than monthly PDFs
Most ABL and factoring workflows still start with borrower-sent aging schedules and AR detail exports. Credit teams re-key, sample, and wait for the next field exam before the borrowing base feels current.
Axiomatic originates collateral inside the borrower's books. When a seller exports a financeable receivable, your analysts get a structured package they can verify locally — tied to the same triple-entry events that post the invoice.
From package to monitoring
Borrower shares a proof package
A seller on Axiomatic exports a financeable receivable witness bundle from live AR — buyer acknowledgment, UCC clearance, encumbrance status, and GL tie-out in one artifact.
Your team verifies independently
Open the share link or download the JSON package. Desktop Verify and the public verify workspace run cryptographic checks locally — no need to trust a PDF aging schedule.
Underwrite against live collateral
Composite risk scores, maturity, and concentration context come from the same ledger that posted the invoice. Eligible AR rolls forward as books update.
Monitor through collections
Collections and exchange settlements post back to the borrower’s GL. Servicing teams see the same event trail the collateral was underwritten against.
Built for credit and collateral teams
Independent verify
Receivable proof shares and Desktop verification give credit teams a repeatable check — attestation summary online, full package for archive and audit.
Borrowing-base tie-out
Open invoices live in triple-entry AR with subledger reconciliation. Collateral maps to posted events, not a borrower-exported spreadsheet.
Seven-factor scoring
Fraud, dispute, dilution, maturity, title, supplier credit, and buyer credit roll into a composite score for eligibility and concentration limits.
Encumbrance registry
Platform pledges and exchange listings register against the invoice so double-pledge risk surfaces before funding.
Buyer acknowledgment
Propose-accept protocol captures counterparty acknowledgment on the obligation — bound into the export lenders review.
Auction liquidity (optional)
Scored receivables exchange connects verified inventory to investors and market makers when borrowers need programmatic liquidity beyond a bilateral line.
Who this is for
Asset-based lending desks
Continuous borrowing-base context, eligibility rules on live AR, and verify packages that shorten field-exam sampling.
Factors & receivables finance
Invoice-level attestations, UCC desk integration, and put-back aware lifecycle on the same platform the seller books in.
Credit funds & specialty finance
Portfolio scoring, auction allocation, and proof archives for investors who want verifiable collateral, not trust-me aging.
Start with Verify
Credit teams can review borrower packages today in the Verify workspace and Axiomatic Desktop — no full platform rollout required to validate the workflow.
Borrowers on Axiomatic? See how sellers export financeable AR in Trade Finance. Operating companies: Manufacturing & distribution.