Stop Wrestling with Data Tapes: Introducing Setpoint’s Data Standardization Suite

Every lender and borrower in asset-backed finance knows the pain of data chaos. Borrowers juggle different data tape formats for each lender, painstakingly mapping and cleaning data to meet credit agreement terms. Lenders validate, aggregate and normalize data across borrower facilities and funds to get a clear view of portfolio performance.

It’s slow, manual, and error-prone.

At Setpoint, we’ve seen firsthand how data friction delays funding decisions, increases operational overhead, and introduces unnecessary risk. So we built something better.

How It Works

The Setpoint Data Standardization Suite offers users robust data pipelines that automate the data wrangling process. This suite of products sets the stage for faster funding, cleaner portfolio reporting, and stronger risk management—all while increasing efficiency and improving data quality.  Excel is a great tool but we’ve all experienced its limitations with large file sizes and complex data reshaping.

At its core, this product suite does what capital markets data teams have been doing manually for years—but in a way that’s automated, scalable, and auditable.

1. Import → Borrowers and lenders upload any number of raw data sources (Excel, CSV, PDFs, or other formats).

2. Validate → Each data source is run through data quality checks, flagging missing fields, inconsistencies, and errors in real-time.

3. Map & Reformat → Data is automatically aligned to match specified schemas or templates, ensuring structured, consistent outputs.

4. Centralize & Retrieve → The standardized data is stored in a data warehouse within the Setpoint application for easy reporting, funding requests, and portfolio analytics.

Top Use Cases for Data Standardization Suite

Standardizing Data for Every Counterparty

Compiling asset data for every possible use is a complicated task for borrowers and lenders.  At times, data needs to be sourced from multiple systems—loan origination, accounting, servicing, and internal spreadsheets. In other cases, a master record must be broken into multiple formats for different lenders and buyers. Lenders, in turn, receive data tapes in varied formats across borrowers. In all cases, Setpoint automates the restructuring process, ensuring each counterparty gets data in the right format, every time. Lenders receive standardized, consistent data, accelerating review, portfolio analysis, and real-time risk monitoring.

Catching Errors Before They Cost You

Loan data errors can disrupt funding, impact compliance, and create operational headaches. Coupling Setpoint’s Data Validator with Tape Generator enhances data quality while instantly restructuring it. This means saving hours every week on spreadsheet work required to quality control data and format loan tapes. Teams are empowered to immediately resolve data quality issues at the source to dramatically reduce risk.

Maximizing Capital Efficiency

Clean, structured data accelerates every step of the funding process. With Setpoint’s Data Standardization Suite, borrowers can instantly generate funding-ready reports through Setpoint’s Borrowing Reports, eliminating the manual back-and-forth that slows approvals. Lenders receive validated, standardized data upfront, reducing time spent on manual reviews and ensuring faster, more confident funding decisions. Insights on normalized data is available to both borrowers and lenders within Setpoint’s Analytics to track historical, current and projected performance.  Clean data becomes a real competitive advantage with Setpoint.

How We’re Different

Setpoint’s Data Standardization Suite is purpose-built for every player in asset-backed finance. Behind the scenes, we have a data model and validation dictionary for each asset class and transaction type. Our team’s deep understanding of the borrower and lender data management challenges positioned us to create a holistic solution that prevents the many data-related issues surfacing in reporting, funding and analytics.

The Data Standardization Suite is designed to be modular. Borrowers and lenders can use these products individually or together:

• Data Validator → Ensures data quality across imported data sources before it’s used in funding, reporting, or analytics.

• Tape Generator → Automates the creation of borrower-specific and lender-specific structured data files.

• Data Warehouse → Creates a current and historical record of truth for all asset-level data.

Whether you need additional confidence in your data, support to normalize data from different systems, or the full automation suite, you can configure it to fit your needs.

Everything Starts with Clean Data

In asset-backed finance, data standardization isn’t just a nice-to-have—it’s essential. The ability to quickly validate, structure, and analyze loan data can mean the difference between a smooth funding process and costly delays. Setpoint’s Data Standardization Suite gives borrowers and lenders the tools to move faster, reduce risk, and make more confident decisions.

If your team is still spending hours manually transforming data, we can help.

Request a Demo to see how Setpoint streamlines funding and portfolio management.

Check out the walkthrough below: