SPECIALIST LENDING · ASSET-BASED LENDING

Collateral data you can lend against. Every week.

Receivables, payables, inventory and the GL, pulled clean from the borrower’s accounting system, standardized for borrowing base, ineligibles and dilution analysis.

Scope

On-prem & cloud packages

Coverage

100+ Accounting Systems

Compliance

SOC 2 · ISO 27001 · Audit trail

Why ABL teams choose Validis

Live collateral data. Built for asset-based lending and invoice finance.

The same data layer that powers your team’s workflows also powers the AI you use today: Copilot, ChatGPT, Claude and internal LLMs.

Borrowing base from source data, not a spreadsheet

AR, AP, inventory and the GL pulled directly from the borrower’s accounting system. Aged debt, dilution rates and ineligibles calculated on the same standardized data every cycle.

  • AR ageing with cross-aged and customer concentration logic
  • Inventory by category with advance rates applied
  • Trailing dilution and customer turn-back analysis
A regular cycle that doesn't burn the borrower

Permission once. Refresh weekly without re-collection. The borrower runs their business; the data flows on schedule into your facility platform.

  • Scheduled refreshes against the borrower’s live system
  • No more chasing CSVs or trial balances
  • Same standardized model across every borrower’s ERP
Field exams supported by data, not pre-shipped binders

Auditors and field examiners walk in with the data already on hand. Less reconciliation, less back-and-forth, more time on the things that matter for collateral quality.

  • Full provenance from source system to borrowing base
  • Drill-down to the underlying invoice and customer
  • Audit-ready exports for field exams and reviews

See it in action

Client upload journey

See how easy it is for your clients to share data with Validis — from email invite to upload in under a minute.

Drill down to the double entry

Validis standardizes 100% of transactions across the general ledger, trial balance and supporting subledgers.

FREQUENTLY ASKED

Frequently asked questions about ABL data and monitoring.

  • What data does Validis provide for asset-based lending?

    Validis delivers transaction-level AR ledger, AP ledger, aged debt schedules, dilution data, cash receipts, sales journals and subledger detail, pulled directly from the borrower's accounting system. Full ledger detail, not summary reports, so eligibility calculations and field examinations run on source-of-record data.

  • How often does Validis refresh AR and AP data?

    Refresh frequency is matched to the facility's monitoring requirements. Daily, weekly or monthly cadences are all supported, alongside on-demand pulls for field exams or covenant tests. The borrower authorizes the connection once at facility setup, no per-refresh request needed.

  • What is a borrowing base?

    A borrowing base is the maximum amount a lender will advance under an asset-based facility, calculated as an advance rate applied to the value of eligible collateral, typically accounts receivable, inventory and equipment. Validis automates the data feed underneath borrowing base calculations so the math runs on current AR and AP data.

  • What is the dilution rate and why does it matter?

    Dilution rate is the percentage of accounts receivable reduced by credit notes, returns, disputes or write-offs. High dilution erodes the value of AR as collateral. Validis tracks dilution at the transaction level and surfaces trends over time, so dilution caps are monitored against current source data, not borrower-prepared reports.

  • Can Validis automate ineligibles calculations?

    Yes. Validis surfaces transaction-level AR detail including invoice age, customer concentration, contra accounts, cross-aging and disputes, the inputs needed to calculate ineligibles automatically. Compare borrower-submitted schedules against source-system data to identify discrepancies without manual reconciliation.

Get started

Tighter collateral. Cleaner cycles.