Financial Services · Moraph software

Dynamic Collateral Monitor

Check the receivables behind every borrowing base against the borrower's own ledger

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Overview

What you are buying

The Dynamic Collateral Monitor connects, with the borrower's authorization, to the accounting system or ERP behind an asset-based loan, such as NetSuite, and reconciles the receivables reported on each borrowing base certificate with the borrower's own ledger, invoices and cash receipts. Differences, invoices with no matching activity and changes in aging, dilution and concentration are flagged for your collateral analysts. Credit officers decide what to do about them, and every decision is recorded.

The problem it solves

Asset-based lenders advance against receivables the borrower reports, usually on a borrowing base certificate and an aging report prepared in a spreadsheet. Analysts check those figures against the last field exam and whatever backup the borrower sends, but between exams they cannot easily see whether the invoices exist, have been paid or have been reissued. Fictitious or recycled receivables, unreported dilution and growing concentrations can go unnoticed until a field exam or a default, and the lender's own record of what was checked is spread across emails and workbooks.

  • Borrowing base certificates are checked against backup the borrower chooses to send
  • Invoices with no shipment, no payment history or a reissued number are hard to spot between field exams
  • Dilution, aging and concentration changes are calculated by hand each period
  • The evidence of what was checked, and what was decided, is scattered across workbooks

Who uses it

  • Asset-based lending teams at banks, credit unions and commercial finance companies
  • Collateral and portfolio analysts who review borrowing base certificates
  • Credit officers and loan committees who approve availability and exceptions
  • Field examiners who plan and scope collateral exams
  • Credit review, internal audit and examiners, who need evidence of collateral monitoring

Requirements it supports

OCC Comptroller's Handbook: Asset-Based LendingUniform Commercial Code Article 9 (secured transactions)Interagency Guidelines Establishing Standards for Safety and Soundness (12 CFR Part 30, Appendix A)Interagency Guidance on Third-Party Relationships: Risk Management (2023)Federal Reserve Commercial Bank Examination Manual, asset-based lending section

The product supports these requirements; meeting them remains your organization’s responsibility.

See how it works

A short walkthrough

Illustrative screens with fictional sample data. They show the workflow, not any client’s data or configuration, and the layout of the product itself differs. A live demonstration uses the product with sample data.

  1. Step 1

    The certificate queue

    Analysts start from this period's borrowing base certificates, with the difference between reported and recalculated availability for each.

    BorrowerCertificate dateReported availabilityRecalculatedFlagsStatus
    Borrower 2071 · Example Components Inc. (fictional)Week 41$3,420,000$2,965,0007In review
    Borrower 2088 · Example Foods LLC (fictional)Week 41$1,180,000$1,172,5001New
    Borrower 2112 · Example Staffing Co. (fictional)Month 9$5,600,000$5,598,0000Approved
    Borrower 2130 · Example Plastics Corp. (fictional)Week 41$860,000Awaiting ledgerConnection expiredWith borrower
    Analysts start from this period's borrowing base certificates, with the difference between reported and recalculated availability for each.

  2. Step 2

    Reported against recalculated

    The certificate is rebuilt from the borrower's ledger as of the same date, and each difference is explained.

    Borrower 2071 · Week 41 reconciliation

    Gross receivables (certificate)
    $5,310,000
    Gross receivables (ledger)
    $5,140,000
    Ineligibles (certificate)
    $750,000
    Ineligibles (recalculated)
    $1,047,000
    Advance rate
    85%
    Availability difference
    $455,000

    Main differences

    • $170,000 of invoices on the certificate not found in the ledger
    • Debtor 5512 over 50% past due; cross-aging makes the full balance ineligible
    • Debtor 5520 above the 25% concentration limit
    The certificate is rebuilt from the borrower's ledger as of the same date, and each difference is explained.

  3. Step 3

    Invoice flags

    Invoice-level tests show which receivables need a closer look, and why.

    InvoiceDebtorAmountFlagFinding
    INV-88412Debtor 5531$96,000No matching shipmentOpen
    INV-88415Debtor 5531$74,000No matching shipmentOpen
    INV-88290-RDebtor 5507$41,200Reissued invoice numberExplained: pricing correction
    INV-88377Debtor 5520$12,800Credit memo after period endReserve recommended
    INV-87960Debtor 5512$38,500Over 90 days, no payments in 6 monthsIneligible
    Invoice-level tests show which receivables need a closer look, and why.

  4. Step 4

    The debtor view

    Each account debtor's balance, aging and payment behavior across periods, beside its verification history.

    Debtor 5531 · Example Distribution LLC (fictional)

    Balance at certificate date
    $412,000
    Share of eligible receivables
    11%
    First invoice in ledger
    Within the last 60 days
    Payments received
    None yet
    Last verification
    None on file

    Analyst notes

    • New debtor with fast-growing balance
    • Two invoices with no shipment record
    • Verification request recommended before advancing
    Each account debtor's balance, aging and payment behavior across periods, beside its verification history.

  5. Step 5

    From flag to decision

    The review of each certificate is recorded step by step, ending with a credit officer's approval.

    Certificate BB-7741 · Borrower 2071

    1. Certificate submittedBorrower user
    2. Ledger pulled and certificate recalculatedMonitor
    3. Question sent on two invoices to Debtor 5531Collateral analyst
    4. Borrower response: shipments pendingBorrower user
    5. Debtor verification requestedCollateral analyst
    6. Availability recommended at recalculated figure, with reserveCollateral analyst
    7. Recommendation approvedCredit officer
    The review of each certificate is recorded step by step, ending with a credit officer's approval.

  6. Step 6

    The portfolio watch list

    Borrowers whose collateral is changing in ways that matter, across the whole ABL book.

    BorrowerDilution trendLargest debtor shareUnexplained differencesLast field examWatch reason
    Borrower 2071Rising29%3 periods running8 months agoDifferences and concentration
    Borrower 2145Rising18%None4 months agoDilution
    Borrower 2130Stable22%No ledger data10 months agoConnection expired
    Borrowers whose collateral is changing in ways that matter, across the whole ABL book.

Workflows

The principal workflows

  1. Connect

    The borrower authorizes a read-only connection from their ERP or accounting system, or agrees a scheduled file. The lender's analyst maps the borrower's ledger to the loan's eligibility criteria.

    • Borrower invited to the borrower workspace
    • Borrower's administrator authorizes a read-only connection to NetSuite or another supported system
    • Customer, invoice, credit memo and cash receipt data mapped to the monitor's model
    • Eligibility criteria from the loan agreement configured: aging cutoffs, cross-aging, concentration limits, excluded debtors
    • First reconciliation run and reviewed with the borrower

  2. Reconcile

    Each borrowing base certificate is compared with the borrower's ledger as of the same date. Totals, aging buckets and ineligibles are recalculated from the source data and differences are shown line by line.

    • Borrower submits the borrowing base certificate and aging report
    • Ledger data pulled as of the certificate date
    • Gross receivables, aging and ineligibles recalculated from the ledger
    • Differences from the certificate listed by debtor and invoice
    • Recalculated availability shown beside the borrower's figure

  3. Test

    Invoice-level tests look for receivables that may not be genuine or collectible: invoices with no matching sales activity, reissued invoice numbers, credit memos after period end, and debtors that never pay.

    • Invoices tested against sales orders, shipments and cash receipts where available
    • Duplicate or reissued invoice numbers and re-dated invoices flagged
    • Dilution measured from credit memos, write-offs and adjustments
    • Concentrations and cross-aging calculated by debtor
    • Flags explained with the invoices behind them

  4. Decide

    Analysts review the flags, request explanations or debtor verifications, and recommend availability. A credit officer approves the recommendation or any exception to the loan's terms.

    • Analyst reviews each flag and records a finding
    • Questions sent to the borrower through the workspace
    • Debtor verification requested for selected invoices and the response recorded
    • Availability recommendation written with reasons
    • Credit officer approves, adjusts or returns the recommendation

Roles and permissions

Who does what in the product

Each role below is a starting point. During implementation we set them up to match your teams, and every action anyone takes is recorded in the audit trail.

Collateral analyst

Collateral analyst, ABL portfolio analyst, loan administration analyst

Reviews each borrowing base certificate against the ledger, works the flags and recommends availability.

Sees

  • Certificates, reconciliations and flags for assigned borrowers
  • Debtor views, aging, dilution and concentration trends
  • Borrower responses and debtor verification results
  • Their own open work, sorted by difference and age

Does

  • Reviews recalculated availability and the differences from the certificate
  • Records a finding on each flag
  • Sends questions to the borrower through the workspace
  • Requests debtor verifications for selected invoices
  • Recommends availability and reserves, with reasons

Cannot

  • Approve availability or exceptions
  • Change a borrower's eligibility criteria
  • Delete flags or findings once recorded
Approvals
Every availability recommendation they make is approved by a credit officer before it is released to the loan system.
Notified about
New certificates for their borrowers, borrower responses, verification results and expired ERP connections.

Relationship manager

Relationship manager, ABL account officer

Manages the borrower relationship and handles conversations about findings and availability.

Sees

  • Status, findings and approved availability for their borrowers
  • Open questions to the borrower
  • Watch list entries for their borrowers

Does

  • Follows up with borrowers on outstanding questions or expired connections
  • Adds context to findings from their conversations
  • Proposes changes to eligibility criteria after an amendment

Cannot

  • Recommend or approve availability
  • Close a flag
  • Change eligibility criteria
Approvals
Proposed eligibility changes are approved by a credit officer.
Notified about
Approved availability, new watch list entries and unanswered borrower questions for their borrowers.

Credit officer

Credit officer, ABL credit approver, chief credit officer

Approves availability, reserves and exceptions, and owns the eligibility criteria configured for each borrower.

Sees

  • Every borrower, certificate, flag and recommendation in their portfolio
  • The portfolio watch list and trends
  • Eligibility criteria and their change history
  • The full audit trail

Does

  • Approves, adjusts or returns availability recommendations
  • Approves reserves and exceptions to the loan's terms
  • Approves changes to eligibility criteria
  • Requests a field exam or more frequent reporting for a borrower
  • Prepares credit committee reporting

Cannot

  • Approve a recommendation they prepared themselves; a second approver is required
  • Edit or delete entries in the audit trail
  • Change the ledger data pulled from the borrower
Approvals
Approves availability, reserves, exceptions and eligibility changes, within the limits your credit policy sets.
Notified about
Recommendations waiting for approval, borrowers added to the watch list, and proposed eligibility changes.

Field examiner

Field examiner, collateral examiner, outside examination firm (under temporary access)

Uses the monitor's findings to scope collateral exams and records exam results against the borrower.

Sees

  • Flags, findings and trends since the last exam
  • Debtor views and verification history
  • Earlier exam results

Does

  • Selects invoices and debtors for testing
  • Exports sample selections for fieldwork
  • Records exam findings and recommendations

Cannot

  • Approve availability or exceptions
  • Change eligibility criteria
  • See borrowers outside their assignment
Approvals
Exam findings are reviewed by the credit officer, who decides on any change to availability or terms.
Notified about
Exams assigned to them and new flags on borrowers they are examining.

Borrower user

Borrower's controller, CFO or accounts receivable manager

Submits certificates, authorizes the ERP connection and answers questions, for their own company only.

Sees

  • Their own company's certificates and submission history
  • Questions and requests from the lender
  • The status of the ERP connection

Does

  • Submits borrowing base certificates and aging reports
  • Authorizes, renews or revokes the read-only ERP connection
  • Answers questions and uploads supporting documents

Cannot

  • See the lender's flags, findings or recommendations unless the lender shares them
  • See other borrowers
  • Change a certificate after it is submitted; a corrected certificate is submitted instead
Approvals
Their submissions are reviewed by the lender's analysts and credit officers.
Notified about
Certificates coming due, questions from the lender and connections about to expire.

Auditor (read-only)

Credit review, internal auditor, regulatory examiner (under temporary access)

Reviews how collateral was monitored and how availability decisions were made, without being able to change anything.

Sees

  • Reconciliations, flags, findings and approvals within the scope granted
  • Eligibility criteria and their change history
  • Reports and the audit trail

Does

  • Searches and reads records within their scope
  • Exports records they have been given access to, with each export logged
  • Leaves review notes where the institution enables them

Cannot

  • Change, approve or delete anything
  • See records outside the scope and dates granted
  • Keep access after it expires
Approvals
Their access is approved by the credit officer or an administrator, with a scope and an end date.
Notified about
Nothing by default; access granted and expiring is confirmed to the person who approved it.

Administrator

Application administrator, lending systems administrator

Manages users, roles, borrower set-up and integration settings, without access to approve credit decisions.

Sees

  • Users, roles, teams and borrower assignments
  • Integration and connection settings
  • The record of permission changes

Does

  • Adds and removes lender users, or maps them from single sign-on groups
  • Invites borrower users on request from the ABL team
  • Maintains loan system and lockbox integration settings
  • Runs access review reports

Cannot

  • Recommend or approve availability
  • Change eligibility criteria
  • Grant themselves a credit role without a credit officer
Approvals
Role changes that grant approval rights are approved by a credit officer.
Notified about
Access reviews coming due, failed data pulls and accounts not used for a period your policy sets.

Permissions at a glance

ActionAnalystRel. managerCredit officerExaminerBorrowerAuditorAdmin
Submit a certificateNo accessNo accessNo accessNo accessOwn work onlyNo accessNo access
Authorize the ERP connectionNo accessNo accessNo accessNo accessOwn work onlyNo accessNo access
View reconciliations and flagsOwn work onlyOwn work onlyFullOwn work onlyNo accessView onlyNo access
Record findings on flagsOwn work onlyNo accessFullOwn work onlyNo accessNo accessNo access
Send questions to the borrowerOwn work onlyOwn work onlyFullOwn work onlyNo accessNo accessNo access
Request debtor verificationOwn work onlyNo accessFullOwn work onlyNo accessNo accessNo access
Recommend availabilityOwn work onlyNo accessFullNo accessNo accessNo accessNo access
Approve availability and reservesNo accessNo accessApprovesNo accessNo accessNo accessNo access
Change eligibility criteriaNo accessNo accessApprovesNo accessNo accessView onlyNo access
Record field exam resultsNo accessNo accessView onlyOwn work onlyNo accessView onlyNo access
View audit trailNo accessNo accessView onlyNo accessNo accessView onlyView only
Manage users and rolesNo accessNo accessApprovesNo accessNo accessNo accessFull
  • Full
  • Own work only
  • Approves
  • View only
  • No access

How access is controlled

  • Recommending availability and approving it are separate: analysts recommend, credit officers approve, and nobody approves a recommendation they prepared.
  • Borrower users see only their own company and the requests sent to them. Flags and findings stay internal unless the lender chooses to share them.
  • Roles are configured with you during implementation. You can rename them, create custom roles, and limit them by portfolio, region or team, and every permission change is recorded in the audit trail.
  • Lender staff sign in through your identity provider, and roles can follow its groups. Outside examiners, auditors and regulators get temporary access with a defined scope and an end date.

Features

What it does

Read-only ERP connection

With the borrower's authorization, receivables, sales and cash data are read directly from NetSuite and other supported systems, without access to change anything.

Certificate reconciliation

Each borrowing base certificate compared with the ledger as of the same date, with differences listed by debtor and invoice.

Eligibility engine

The loan agreement's eligibility criteria, such as aging cutoffs, cross-aging, concentration limits, affiliate and foreign debtors and contra accounts, applied to the ledger data.

Invoice integrity tests

Flags for invoices with no matching order, shipment or payment history, reissued or re-dated invoice numbers, and unusual invoices near period end.

Dilution tracking

Credit memos, write-offs and non-cash adjustments measured each period, by debtor and in total.

Concentration and debtor view

Each account debtor's balance, aging, payment history and share of the borrowing base across the period.

Debtor verifications

Selected invoices sent for confirmation with the account debtor, with the request and response recorded against the invoice.

Borrower workspace

Borrowers submit certificates, answer questions and see open requests in one place, instead of by email.

Availability recommendation

The analyst's recommended availability, the adjustments made and the reasons, sent to a credit officer for approval.

Field exam support

Flags, findings and trends since the last exam packaged to help field examiners scope their work.

Portfolio watch list

Borrowers whose differences, dilution or concentrations are rising, across the whole ABL portfolio.

Audit trail

Every data pull, recalculation, flag, finding and approval recorded with the person and time.

Integrations

How it connects to your systems

Connects toHowWhat flows
NetSuiteA read-only connection authorized by the borrower's NetSuite administrator, using a role limited to the records the monitor needs.In: customers, invoices, credit memos, sales orders, item fulfillments and cash receipts.
Other ERPs and accounting systemsOther systems connected by API where available, or by a scheduled export the borrower agrees to provide.In: receivables ledger, credit memos and cash receipts in an agreed layout.
Loan systemLoan terms, commitments, advance rates and outstanding balances from your commercial loan system.In: loan terms and balances. Out: approved availability and reserves.
Lockbox and cash collectionsCollections from the lender's lockbox or controlled accounts, to compare with cash receipts in the borrower's ledger.In: lockbox deposits by remitter and date.
Field exam toolsFindings and sample selections exported for your field exam team or outside examination firm.Out: flagged invoices, debtor lists and trends since the last exam.
Single sign-onLender staff sign in through your identity provider (SAML or OpenID Connect); borrower users have their own accounts with multi-factor authentication.In: staff identity and group membership for role assignment.
Work APIReconciliations, flags and approvals available to your data warehouse and credit reporting through the Moraph Work API.Out: borrowing base results, findings and decisions.

Each integration is confirmed in discovery and specified in the design. See how an engagement progresses.

Security and privacy

How your data is protected

Single sign-on

Lender staff sign in through your identity provider, so your password and multi-factor policies apply.

Read-only, borrower-authorized connections

ERP connections are authorized by the borrower, limited to the records the monitor needs, and can be revoked by the borrower or the lender at any time.

Role-based access

What each person can see and do follows their role; recommending availability is separate from approving it, and borrowers see only their own company.

Encryption and keys

Client and borrower data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.

Complete audit trail

Every data pull, view, change, decision and export is logged with the person and time, and cannot be edited.

Data residency

Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Company-wide controls, independent audits (SOC 2 Type II and ISO/IEC 27001) and data residency are described in our Trust Center, where you can request the evidence pack.

Reporting

What you can report on

11 standard reports, grouped by who uses them. Each shows who it is for, how it can be broken down, how it is delivered and what it is used for. The data behind them is also available to your own reporting tools.

Borrower monitoring

Certificate reconciliation

For collateral analysts and credit officers

For each certificate, reported and recalculated receivables, ineligibles and availability, with the differences by debtor and invoice.

Break down by
Borrower, Certificate date, Difference type, Debtor
Delivered as
Live view; PDF and CSV export
Used for
Deciding what availability to approve and documenting why.

Invoice flags

For collateral analysts and field examiners

Invoices flagged by each test, with the evidence behind the flag and the finding recorded.

Break down by
Borrower, Flag type, Debtor, Finding
Delivered as
Live dashboard; CSV export
Used for
Working through flags and selecting invoices for verification or exam testing.

Dilution, aging and concentration

For collateral analysts, relationship managers, credit officers

Dilution, aging buckets and largest debtor shares for each borrower over time.

Break down by
Borrower, Period, Debtor, Measure
Delivered as
Live dashboard; PDF; CSV export
Used for
Spotting changes that may call for a reserve, an advance rate change or an earlier field exam.

Debtor verifications

For collateral analysts and field examiners

Verification requests sent, the invoices covered, responses received and any discrepancies reported.

Break down by
Borrower, Debtor, Response status, Result
Delivered as
Live view; CSV export
Used for
Following up unanswered requests and evidencing verification work.

Portfolio and committee

Portfolio watch list

For credit officers and loan committee

Borrowers with rising differences, dilution or concentration, expired connections, or overdue certificates.

Break down by
Borrower, Watch reason, Relationship manager, Exposure
Delivered as
Live dashboard; PDF for committee packs
Used for
Directing credit attention to the borrowers whose collateral is changing.

Availability summary

For credit officers and senior lending management

Reported, recalculated and approved availability across the ABL portfolio, with reserves and exceptions in force.

Break down by
Borrower, Period, Portfolio or region, Exception type
Delivered as
Live dashboard; PDF; CSV export
Used for
Portfolio oversight and credit committee reporting.

Reporting compliance

For collateral analysts and relationship managers

Certificates received on time, late or missing, and the status of each borrower's ERP connection.

Break down by
Borrower, Reporting frequency, Status, Period
Delivered as
Live dashboard; scheduled email
Used for
Chasing late certificates and expired connections.

Regulatory and audit

Eligibility criteria history

For credit officers, credit review, examiners

Every change to a borrower's eligibility criteria, who proposed and approved it, and when it took effect.

Break down by
Borrower, Criterion, Approver, Change date
Delivered as
Live view; PDF and CSV export
Used for
Showing that the monitor applies the terms in each loan agreement and that changes were approved.

Approval log

For credit review, internal audit and examiners

Every availability recommendation, reserve and exception, with the analyst, approver, reasons and date.

Break down by
Borrower, Decision type, Approver, Period
Delivered as
Live view; PDF and CSV export
Used for
Evidencing that availability decisions followed the credit policy.

Audit trail extract

For internal audit and examiners

Who did what, when and why for a selected borrower, certificate or period, including data pulls, findings and approvals.

Break down by
Record, User, Action, Date range
Delivered as
On request in the product; CSV and PDF export
Used for
Answering auditor and examiner requests for evidence without assembling it by hand.

Connection and access log

For credit officers, administrators and auditors

Each borrower's ERP connection authorizations, renewals and revocations, and each lender and borrower user's access.

Break down by
Borrower, Event type, User, Date
Delivered as
Live view; CSV export
Used for
Showing that access to borrower systems was authorized and limited.

Exports, access and evidence

  • Every report can be exported to CSV, and summary and evidence reports to PDF. Reports can be scheduled to arrive by email for the people entitled to see them.
  • Each report can be filtered by borrower, portfolio and period, and the filters saved, so analysts and credit officers can keep their own views.
  • Reconciliation, flag and approval data is available through the Moraph Work API, and can be delivered to your data warehouse or credit reporting tools.
  • Reports respect each viewer's role: analysts see their assigned borrowers, credit officers see their portfolio, and borrowers see none of the lender's internal reports.
  • Regulatory and audit reports can be run as of a past date and give the same result each time. Running and exporting a report is itself recorded in the audit trail.

Deployment

Where and how it runs

Moraph cloud

Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for lenders outside the US.

Dedicated environment

A single-tenant environment for lenders whose policies require isolation, scoped in the proposal.

Branded borrower workspace

The borrower-facing pages carry your institution's name and branding.

Security controls, independent audits and data residency are set out in our Trust Center. Engagement models and what drives a quotation are on Working with Moraph.

Implementation

What a rollout involves

The general phases are on Working with Moraph. For this product, they involve the following.

Portfolio set-up

We load your ABL borrowers, loan terms and advance rates from your loan system and agree the certificate schedule for each. We need a loan system extract and a contact from your ABL team.

Eligibility configuration

Each borrower's eligibility criteria are configured from its loan agreement, and your credit team reviews them before use.

Borrower onboarding

We help each borrower authorize the ERP connection or set up a scheduled export, using a borrower guide carrying your name.

Back-testing

Earlier certificates are reconciled against the ledger history, so analysts see how the monitor's results compare with what they already know.

Workflow and roles

Review steps, approval levels, exception rules and roles are configured to match your credit policy.

Training and go-live

Analysts, credit officers and field examiners are trained on their own workflows, and borrowers are moved over in groups you choose.

Limitations

What it does not do

Worth knowing before you evaluate it.

  • The monitor does not prove that a receivable is genuine. It compares reported figures with the borrower's own records and flags patterns worth checking; a borrower who falsifies its ledger can still mislead it, so field exams and debtor verifications remain necessary.
  • It needs the borrower's authorization and cooperation. If a borrower will not connect its system or provide exports, the monitor works only from the certificates and backup supplied.
  • Connections to systems other than NetSuite depend on the system and the borrower's edition; some will need a scheduled export instead of a live connection.
  • It does not decide availability or declare a default. Credit officers approve availability, reserves and exceptions under your credit policy.
  • It covers accounts receivable. Inventory, equipment and other collateral classes are recorded as reported but not reconciled to source systems.
  • It is not a loan servicing system. Advances, payments and interest stay in your loan system.
  • It does not perform UCC lien searches or filings.
  • Debtor verification responses depend on account debtors replying; the monitor records requests and responses but cannot compel an answer.

Evaluation checklist

What to test in a demonstration or pilot

Questions worth putting to us, and to any other vendor you are considering.

  1. Pick a borrower who already shares exports and reconcile a recent certificate with the monitor
  2. Compare the monitor's ineligibles with your analyst's own calculation for the same period
  3. Review whether each invoice flag explains itself well enough for an analyst to act on
  4. Ask a borrower's controller to walk through authorizing the read-only connection
  5. Check that credit officers can see the reasons behind every availability recommendation
  6. Confirm role separation: who can recommend availability, approve it and change eligibility criteria

Questions

Frequently asked questions

Does the borrower have to connect its ERP?

The monitor works best with a read-only connection the borrower authorizes, and many loan agreements already give the lender rights to this information. Where a borrower prefers, a scheduled export in an agreed layout can be used instead.

Can the monitor change anything in the borrower's system?

No. Connections are read-only and limited to the records the monitor needs, and the borrower can revoke them.

Does it replace field exams?

No. It gives analysts a view between exams and helps examiners decide where to look. Field exams and debtor verifications are still needed.

Which systems besides NetSuite are supported?

Others are connected by API where the system allows, or by scheduled export. Tell us which systems your borrowers use and we will confirm the approach for each during scoping.

How is it priced?

As a subscription, usually measured by the number of borrowers monitored, with implementation charged separately. See Working with Moraph for what drives a quotation.

Is there an accessibility conformance report?

Ask for one through the procurement request form at /how-to-buy/request, naming the version you are evaluating.

Next steps

Evaluate Dynamic Collateral Monitor

Book a demonstration

See the product working with sample data, focused on your workflows.

Request a demonstration

Request a technical briefing

Architecture, integrations, security and hosting, with our engineers and your technical team.

Request a briefing

Factsheet

This page on two sides, to share with colleagues or add to your evaluation file.

Open the factsheet

Buying through a formal procurement? See How to buy for purchasing routes, accessibility conformance reports and company information. Documentation: Dynamic Collateral Monitor guides on docs.moraph.com (getting started and security guides are public; setup, administration and integration guides are for client accounts). Support: Dynamic Collateral Monitor support guide.

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