Portfolio Management Services & Sub-Servicing
More About Gateway
Some of Our Services
When you’re in the business of lending, relationships are everything. As hard as it may be to secure a new relationship, retaining one can sometimes be even more challenging. Sometimes, a longtime and loyal client just doesn’t fit your lending profile. Or a prospect may be attractive in the long term but doesn’t meet your lending standards today.
Telling a prospect or client they don’t qualify for a loan is a shared dilemma. They need help getting the cash flow support they need. And you are unable to assist them and ultimately grow the relationship.
It doesn’t have to be this way. Whether you’re an asset-based lender, a factor, or even an entrepreneurial bank, you can add a suite of funding options to help clients who may not be suitable for your traditional products. And you don’t even need to invest in employees or infrastructure to do it.
Specialty servicing branch for the asset-based lending, banking and factoring markets
Gateway Commercial Finance provides a complete suite of back-office functions for banks, factoring companies, and asset-based lenders. As your servicing partner, Gateway offers:
- Seasoned Management & Operations Team. For almost two decades, we have helped businesses of all sizes resolve their cash flow challenges through factoring. We stand ready to help your clients with their needs.
- Proven Policies & Effective Procedures. Over time, we’ve refined our policies and procedures to produce a highly effective portfolio and credit management system. You can leverage our knowledge without creating infrastructure or building your own policies and procedures.
- Common Interests. We recognize that we’re successful when you’re successful. We’ll never forget this simple principle and will always treat your clients as our own.
Introducing Sentinel Portfolio Solutions
Sentinel Portfolio Services is Gateway’s backend portfolio servicing solution. Sentinel works with a wide range of asset-based lenders, banks, and factors to provide high-quality back-office service and support.
We know how challenging it can be to build a healthy and profitable factoring portfolio. We offer a wide range of services to help you with the actual day-to-day management of your factoring business. That allows you to focus on what you do best – serving your clients.
Transactional Engagement & Special Services
We offer several services that can relieve your team’s workload and ensure your customers get the right service level. We can bring strategically focused resources to your most urgent projects, either temporarily or permanently.
High Workload Boarding
We can lead or assist with large new account take-ons regardless of the number of debtors in multiple roles:
- Debtor Credit Investigation
- Noticing Account Debtors
- Boarding Verifications
- Underwriting
Debtor Notification
We provide debtor Notification/Re-Notification services, ensuring the proper debtors are under notice and have the information they need to make remittance to your desired location:
- SOS Debtor Confirmation
- Purchase Order / Contract & Remittance Review
- Independent Address & Debtor Contact Verification
- Debtor Acknowledgement
- Eliminating Payment over Notice
Third-Party Verification
We can provide independent verification services to ensure compliance with your internal verification policies is being met.
- Verbal & Recorded
- Written
- Debtor Statements
Knowledge Process Outsourcing
We have spent nearly two decades acquiring experience and knowledge in the factoring industry. Our sub-servicing solutions allow you to tap into that knowledge and apply it to your business from day one.
This level of knowledge and resources is generally only available to the largest financial institutions. You can leverage our experience to strengthen your factoring portfolio by partnering with Sentinel.
Underwriting Review
What are the weaknesses in your underwriting process? Sentinel Portfolio Solutions has a customized suite of underwriting parameters to help our clients objectively analyze their underwriting.
Our underwriting analysis can be combined with a simple file review or financial & debtor analytics and tailored to meet specific goals and objectives.
Process and Operations Review
Are your operational processes as efficient and effective as they could be? We offer a customized suite of operational review standards to help you objectively analyze your systems. Use our best practice methodologies to enhance your portfolio’s stability and security.
Workout/Default Support
Quick and consistent communication is critical to preserving collateral during workouts or default. We can roll out a rapid communication system to the debtor to keep your collateral intact and minimize possible losses.
Underwriting Support Services
Companies have a different appetite for risk. We know this better than anyone because we’ve evaluated risk for over 20 years. That’s why we help you maintain a comprehensive, 360-degree view of your risk profile, which could mean all the difference between profit and loss.
Who Does Sentinel Serve?
Are you a good fit to partner with Sentinel Portfolio Solutions? We work with many businesses with one thing in common: they want to provide their clients with alternative funding solutions. We commonly work with community banks, asset-based lenders, and factoring providers.
Community Banks
As specialists in collateral lending, we can take a unique approach to a borrower’s needs, creating more significant opportunities for our clients. By partnering with Sentinel Portfolio Solutions, you’ll have the confidence of knowing that a team of experienced professionals is diligently watching out for your institution’s best interests.
Sentinel offers banks a comprehensive suite of tools and practical experience designed to monitor accounts receivables and inventory without the high costs of establishing infrastructure.
- Collateral Verifications
- Aging Reviews
- Payable Reviews
- Contra Identification
- Remittance Testing
- Dilution
- Inventory Tests
- Ineligible Calculations
- Borrowing Base Testing
- Default & Workout Support
Factoring Companies
Entrepreneurial Services
Designed for factors with less than $10MM outstanding
Our Entrepreneurial services are designed to support small factors with critical day-to-day functions, including:
- Debtor Notification
- Debtor Verification
- Debtor Monitoring & Collections
- Due Diligence Support
- Credit & Underwriting Support Services
- Portfolio Software & Data Entry
- Cash Posting
- Lender BBC Generation
- Daily GL Creation & Support
Middle Market Service
Designed for factors with greater than $10MM outstanding
Our Middle Market services are designed to assist established operations departments with high workload occasions (boarding, compliance, default, etc.) and the creation or fine-tuning of internal policies and procedures.
- High Workload Client Support
- Verifications & Audit Support
- Operational Policy Creation & Support Services
- Default & Workout Support
- Compliance Support
Institutional Focus
Our institutional services are designed to provide independent third-party oversight.
- Collateral Testing
- Policy Review & Compliance
- Operational Compliance
Asset Based Lenders
We provide comprehensive accounts receivable and inventory collateral evaluation and monitoring services tailored explicitly for the lender who needs additional support without creating a complicated infrastructure.
Sentinel Portfolio Solutions provides back-office support services in various capacities at our clients’ direction.
- Collateral Verification & Testing
- Invoice Audits
- Borrowing Base Testing
- A/R Monitoring & Collections Support
- Debtor Notification
- Workout Support
Are you ready to bring decades of experience, knowledge, and structural efficiencies to your financial institution? Want to add a new funding option for your customers and clients? Let’s start the conversation and discuss your goals and needs. We welcome the opportunity to help you create, maintain, and grow a factoring portfolio that serves your clients and meets your objectives. Contact us today to get started.