Who We Serve / Banks

Built for community
and regional banks.

From CRE and C&I origination through examiner-ready portfolio reporting, CapitalMrkts runs on your credit policy, your approval chain, and the regulatory reporting your bank already answers to.

See how it works →

Spreading & memos

Auto-spreading and one-click credit memos

Drop in a T-12 and the platform spreads it and assembles a committee-ready credit memo on your template, consistently, with a lean credit team.

✓T-12 and statements spread automatically
✓Committee-ready memos on your template
✓Consistent output from a lean credit team
Credit MemoAUTO
✓
T-12 ingested
Done
✓
Financials spread
Auto
✓
Memo assembled
v1
Generate committee package →

Reviews & covenants

Annual reviews and covenants that don't slip

Statement collection, covenant tests, and risk-rating migration are tracked across the whole book, so nothing goes stale between exams.

✓Statement collection tracked per borrower
✓Covenant tests run on schedule
✓Risk-rating migration across the book
Portfolio monitoringON TRACK
✓
Annual reviews · 3 due
On track
✓
Covenant · DSCR · 1.31x
Pass
✓
Covenant · Max LTV · 68%
Pass
→
Statement collection
1 watch
✓
Risk-rating migration · ▲2 ▼1
Tracked

Concentration

Concentration the platform watches for you

Live CRE concentration against the 100% / 300% of capital guidance and loan-to-one-borrower against policy, with headroom shown before you over-commit.

✓Live CRE concentration vs 100% / 300% of capital
✓Loan-to-one-borrower measured against policy
✓Headroom shown before you commit
Concentration vs policyLIVE
Total CRE / capital248% of 300% · 52% headroom
Construction & dev / capital78% of 100%
Top borrower / limit12% of 15%
Our thesis

A community bank lends on relationships and answers to examiners. CapitalMrkts speeds up the work behind both, without asking your bank to change how it underwrites or who it reports to.

See CapitalMrkts set up for your bank

Schedule a personalized demo and we'll configure your credit policy, committee memos, and concentration reporting on the workflow your bank already runs.