Mitigate Risk. Maximize Liquidity.
Banyan is a platform that automates contractual compliance and creates transparency throughout the loan lifecycle of infrastructure projects.
Infrastructure projects are getting smaller and cheaper, but the cost and complexity to lend to them is not
Infrastructure loans require complex contractual structures and robust covenant packages to mitigate risks. Lack of standardized and conforming financial contracts make it hard to syndicate loans or access public debt markets.
Connected Data
Encode loan agreements into digitized smart contracts connected to IOT monitoring systems, bank accounts, and other asset management applications to automate contractual compliance and continually monitor loan performance
Connected Counterparties
Create a real-time and immutable record of loan performance shared between borrower, lender, and syndication ecosystem to increase transparency and decrease risk
Connected Loan Lifecycle
Leverage transparency and automated contractual compliance across loan origination, servicing, and syndication lifecycle to continually mitigate risk and maximize liquidity
WHO USES BANYAN
DIRECT LENDERS
Reduce servicing costs while still maintaining strict covenant compliance of each credit. With increased transparency of performance, direct lenders can increase their interest rate spreads by further leveraging or securitizing their loans.
BANKS
Have real time visibility into loan performance, providing leading indicators into the likelihood of a potential default. With reduced credit exposure and increased liquidity, Banks will increase their profit margin on loans.
PROJECT OWNERS
Reduce cost of capital and improve the bankability of the project. With increased standardization and transparency of loan performance, project developers can access greater pools of capital and generate higher returns for project owners.
“We are excited to be using the Banyan platform to manage a $20 million loan for a 10 MW New Jersey solar project in our portfolio. Banyan will be an important tool in helping reduce overall cost of capital to finance and manage renewable energy projects.”
The Conti Group
The Conti Group
KEY FEATURES
Encode loan agreements into digitized smart contracts
Track and enforce covenant compliance
Securely store, control and track updates of documents
Enforce condition precedents and manage loan closing
Compare and monitor financial and performance forecast to actuals
Automate and enforce loan waterfall and priority of payments
Track and record counterparty communication and decision making
Manage and track project expenses and inventory
Access living data room for streamlined due diligence