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UFT Commercial Finance
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United Credit Exchange CORPORATE OVERVIEW
United Financial Technologies PARTICIPANT SERVICES
Joanne Marlowe-Noren DOCUMENTATION
PARTICIPANT PERSPECTIVE

Despite present market perceptions, there are many industry indicators that would suggest that there is a concentration of healthy lenders within the banking, commercial finance and private sectors that maintain an ability to effectively lend, but for a variety of reasons have withdrawn from the credit marketplace.  This withdrawal, whether due to lack of faith in the market, inadequate reporting and transparency, regulatory restriction, or any one of a number of post-2008 confidence-shaking incidents, serves to exasperate credit shortages brought on by the withdrawal of institutional capital from the securitized credit model.  By forging a master credit participation system as a basis to access, organize, coordinate, and network these qualified lenders, there is an ability to begin motivating the reintroduction of debt capital into investment portfolios through the use of a proprietary global credit instrument, a Master Credit Participation Certificate or “CPC”. 

A CPC is governed by a standardized set of terms and conditions, a clear set of underwriting guidelines and policies, and a developing credit and performance risk rating system.  This type of universality and transparency can contribute to restoring lender confidence. Moreover, given a variety of administrative features incorporated in the operation of the CPC and Master Participating Lender Network, this product may evolve as a fresh point of entry by institutional investors to the credit markets – alternative to the use of credit securitization models.  Such an approach reestablishes an ability for an investor to gain passive commercial credit exposure without acting in the frontlines as a direct lender.

The introduction of the CPC and the systems supporting it can inspire a significant volume of capital to be reintroduced to the credit marketplace arising not only from commercial lenders and banks, but from institutional investors and private qualifying participants. The Participating Lender Network can foster the globalized free trading of individual CPCs and may contribute to the expansion of a demonstrably more resilient global credit market in years to come.

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UFT Commercial Finance
Joanne Marlowe-Noren
UnitedCEX