FinSoft provides industry-leading Asset Based Lending software for borrowing base automation, collateral monitoring, field examinations, and ABL reporting. Since 1996, FinSoft has focused exclusively on ABL technology, delivering tools trusted by banks, commercial finance companies, and outsource exam firms.
Our software suite improves due diligence, reduces fraud risk, enhances collateral transparency, and supports both lenders and examiners with accurate, repeatable ABL processes. The goal is simple: better information, faster decisions, and more consistent Asset Based Lending practices across portfolios and borrowers.
AssetReader is designed to automate borrowing base reporting and collateral analysis. It imports data from accounting systems and spreadsheets, applies ineligible reserve logic, and consolidates multiple divisions into a single, accurate borrowing base certificate. The system focuses on fraud‑reducing collateral downloads and consistent treatment of receivables and inventory.
Lenders use AssetReader to standardize borrowing base calculations, reduce manual spreadsheet work, and gain better visibility into collateral trends. The software supports complex ineligible rules, concentration limits, aging buckets, and other ABL‑specific requirements that are difficult to manage in generic tools.
AssetReader‑Web extends the AssetReader platform to borrowers. Instead of sending static spreadsheets or manual reports, borrowers upload data directly into a structured system that applies the same ineligible logic and borrowing base rules used by the lender.
This borrower‑side automation reduces manual entry, improves consistency, and lowers the risk of errors or omissions. Borrowing base certificates can be generated electronically, submitted to the lender, and archived for future review, creating a more transparent and efficient ABL reporting process.
AssetWriter is a database‑driven exam program for Asset Based Lending audits and field examinations. It replaces disconnected spreadsheets and documents with a structured environment for tick‑and‑tie procedures, sampling, testing, and collateral verification.
Examiners can plan and execute exams, track findings, and document collateral quality in a consistent format. AI‑assisted writeups help reduce the time required to produce exam reports, with the potential to cut drafting effort by up to 90% while maintaining examiner control over conclusions and recommendations.
AssetArchive focuses on historical collateral analysis for lenders and loan operations teams. By storing and organizing past borrowing base data, collateral schedules, and exam results, AssetArchive enables time‑series analysis of trends, concentrations, and changes in receivables and inventory.
Lenders can review period‑over‑period changes, identify emerging risks, and monitor collateral performance across portfolios. This time‑series view supports better credit decisions and more proactive management of ABL facilities.
FinSoft continues to enhance ABL analytics with business intelligence, machine learning, and AI‑driven tools. These capabilities improve collateral insight, automate portions of exam writeups, and support faster, more accurate decision‑making for both lenders and examiners.
As data volumes grow and ABL portfolios become more complex, advanced analytics help identify patterns, anomalies, and trends that are difficult to see in traditional reports. FinSoft’s focus is on practical, explainable tools that fit into existing ABL workflows rather than abstract experimentation.
FinSoft has specialized in Asset Based Lending software since 1996. Over that time, the company has focused on building tools that match the way lenders and examiners actually work.