level

Move funding risk off your books without slowing originations. Start by plugging level into your ledger and servicing stack via API, SFTP, or a drag‑and‑drop tape. Map data once, set validation rules, and let Level flag missing fields, eligibility issues, and anomalies before anything goes to buyers. Build pools by filters (vintage, FICO, geography, delinquency), preview stratifications, and export a clean, investor‑ready package. Choose the path that fits your strategy—one‑off whole loan sale, recurring forward flow, or participations—then share to target investors or open it to your buyer network with built‑in NDAs and permissioned data rooms.

Price and negotiate where you already work. Use performance curves and mandate filters to see where a pool should clear, then open bidding or negotiate bilaterally. Track offers, counter with revised tapes, and compare execution beyond headline price: reps & warranties, advances, fees, and servicing terms are normalized so your team sees true all‑in economics. Route approvals with role‑based controls, generate term sheets from templates, and lock documents with an audit trail. When you’re ready to close, Level assembles the settlement pack—loan schedules, purchase price adjustments, accrued interest, and fee schedules—and pushes entries back to your accounting system.

Stay in control after the sale. Level reconciles wires, posts GL entries, and automates remittance waterfalls so investors receive principal, interest, and fees on time. Reserve sweeps, breakage, and prepayment penalties are handled automatically and logged for audit. Servicers get task lists for payoffs, repurchases, disputes, and charge‑off recoveries; buyers receive standardized reports and loan‑level updates. Dashboards show capacity, cash runway, and borrowing base across facilities, with alerts for covenant drift, delinquency spikes, and exceptions. Your finance lead can see today’s cash, next week’s obligations, and the impact of moving a pool at alternative prices without opening a spreadsheet.

Apply it to real workflows. A BNPL team sets a weekly forward flow with dynamic eligibility and auto‑publishes tapes each Thursday. An auto lender offloads near‑prime vintages monthly, comparing advance rates versus outright sale to optimize cash today versus yield tomorrow. A mortgage shop runs a bulk whole‑loan sale, gating EPD risk and auto‑reconciling purchase stips. A student lender offers participations to credit unions with staged funding and standardized servicing. Your engineers automate nightly syncs, trigger webhooks on bid events, and pipe metrics into internal dashboards—no manual exports. With Level, you place assets, reconcile cash, and keep lending moving, all from one console.