The Loan Management System (LMS) is an innovative, turn-key, end-to-end securities-based lending platform that connects lenders seeking high-quality, collateralized loans with borrowers requiring convenient access to credit.
Clients look to securities-based loans and lines of credit for their seamless application process, faster approvals (normally between 24-48 hours), and immediate access to funds. They can often obtain higher loan to value ratios when compared to margin, with better rates and no prepayment penalties.
LMS is a true end-to-end software as a service (Saas) that offers security level collateral evaluation, loan origination and underwriting. Its modular design is configurable to support individual integration requirements.
The popularity of securities-based lending continues to grow, particularly with high net worth and ultra-high net worth clientele.
Total financial assets expected to reach
Greater than $60 Trillion by 2022
Over half represents the $1-10M and $10M+ segments
Top four US-based wirehouses report
Greater than $200 Billion in outstanding SBLs
Fee-based, non-margin eligible accounts are on pace to exceed 50% of total assets by 2025
Sources: PWC Strategy and Analysis, US Federal Reserve, Cerrulli
Broker dealers, RIAs, trust organizations and their advisors can improve their competitive position and offer more to clients while retaining portfolio assets and management fee income. TBS can integrate with your affiliated or partner banks or provide access to our network of banks based on your unique requirements.
Banks without existing wealth management or broker dealer affiliates can expand their reach and accommodate broker dealers in search of a securities-based lender. Those with broker-dealer or wealth management affiliations can streamline their processes.