Asset Allocator: Optimize Borrowing Capacity Across Your Portfolio

Manual Allocation Doesn't Scale

Most capital users allocate across facilities and manage securitizations manually. When you add more than two facilities to your portfolio, the layering of concentration limits and advance rate dynamics breaks the manual approach. Funding cycles slow, errors slip through, and when the allocation passes compliance, it almost certainly leaves capital on the table.

Leading capital users make allocation a differentiator. Setpoint’s Asset Allocator enables you to model multiple scenarios in minutes, giving you back the time required to make better allocation decisions. The result is optimized borrowing capacity across your portfolio.

How Asset Allocator Works

Asset Allocator replaces manual allocation with an engine that optimizes borrowing capacity across your portfolio in minutes. It’s the decision layer between verified data and capital deployment. Setpoint ingests, validates and standardizes your data, the engine runs your configured set of credit agreement terms and strategic objectives across every transaction at once, and the output feeds directly into your funding workflow.

In minutes, the engine:

• Considers requirements present across your entire portfolio. Eligibility criteria, concentration limits, advance rates, and the prescribed destinations where assets can move are evaluated simultaneously across every credit agreement.

• Solves for your strategic objectives. Maximize advance rate, minimize cost of funds, balance risk, hit a monthly pacing target, or create ranked prioritizations with any combination. Compliance constraints remain in place while your objectives steer the result.

• Explains every decision. Drill into any allocation decision to understand why each asset landed where it did, and explore alternate scenarios.

Make Asset Allocation Your Competitive Edge

Asset Allocator turns allocation into a strategic lever.

• Optimize your borrowing capacity. Manual allocation across a growing portfolio risks leaving capital on the table. Because Asset Allocator runs in minutes, you have time to explore multiple scenarios against your primary objectives, capturing leverage that legacy processes miss.

• Model the future before you commit. Run Asset Allocator with proposed terms of a new transaction and see how it would affect every other facility's capacity and concentration profile. Test renewal terms before you agree to them. 

• Stay compliant. Asset Allocator enforces your configured concentration limits, eligibility criterion, and advance rates as hard constraints by design.

• See exactly why each asset landed where it did. Allocation routing, eligibility and asset-level diagnostics show you how the engine optimized for your goals, and let you explore alternate scenarios. When your capital provider or auditor asks how the logic ran, the audit trail is built in.

Allocation has been the last manual step in your funding workflow. Asset Allocator closes the gap.

Request a demo to see Asset Allocator in action.