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Zero-friction migration
Loan Tapes
Servicer Reports
No template required
Fund Finance
Parallel reconciliation
Consumer ABS
SOC 2 Type I
Real Assets
AI-native ingestion
Asset Spreading
Waterfall Calcs
Covenant Automation
No hallucinations
ABL
Natural language interface
NAV Lending
Full audit trail
Zero-friction migration
Loan Tapes
Servicer Reports
No template required
Fund Finance
Parallel reconciliation
Consumer ABS
SOC 2 Type I
Real Assets
AI-native ingestion
Asset Spreading
Waterfall Calcs
Covenant Automation
No hallucinations
ABL
Natural language interface
NAV Lending
Full audit trail
Where are you starting from?
The Spreadsheet Era

Excel, email & PDFs

You've built something impressive in the tools that have always worked — a master tracker here, a shared drive there, a credit memo that took two days to build. We respect the craftsmanship. Now let's give your ABF book a proper home.

Master Portfolio.xlsx
Credit Memo — Q4.pdf
FWD: Updated Tape.eml
We ingest
.xlsx.csv.pdf .docxemail attachmentsshared drives

Send us your files — or connect your drive — and ABF.ai maps the fields, normalizes the data, and constructs your full ABF portfolio view. No template required. Our AI adapts to your format, not the other way around.

First-Gen Platforms

Dedicated portfolio & loan systems

You invested in a purpose-built system and it's done the job. But it was built before AI was part of the equation — manual reconciliations, stitched-together reports, slow vendor releases. There's a better way.

Loan Origination Systems
Fund Admin Platforms
Portfolio Trackers
ABS Analytics Tools
Warehouse Management
CLO Admin Software
Credit Risk Platforms
We connect to
API exportSQL export flat file syncdata feedscheduled pull

If your current system can export it, we can ingest it. We run parallel reconciliation against your existing reports so you validate your entire ABF book before you flip the switch — not after.

How it works
1
Upload
Send us your data in whatever form it's in — files, feeds, or a folder. No pre-formatting needed.
2
Ingest & Map
Our AI reads your schema, normalizes fields, and builds your portfolio structure automatically.
3
Reconcile
Side-by-side comparison against your existing outputs. You approve every delta before anything goes live.
4
Go Live
Flip the switch on your timeline. Your old system stays warm until you're fully confident.
What ABF.ai does

The full ABF stack.
AI-native.

Once your ABF book is ingested, ABF.ai runs the workflows your team currently handles manually — and puts the answers in plain English for everyone who needs them: portfolio managers, risk, middle and back office, investors, and LP reporting teams alike.

Portfolio Reconciliation

Every servicer report, every tape update, every period-end — automatically reconciled against prior data. ABF.ai flags discrepancies, explains deltas, and maintains a clean audit trail without anyone opening a spreadsheet.

Automated · Continuous
Asset Spreading

Upload borrower financials and ABF.ai spreads the statements, populates the model, and surfaces covenant-relevant metrics automatically. What used to take an analyst an afternoon now takes seconds — with full source traceability.

AI-assisted · Auditable
Waterfall Calculations

ABF.ai models your deal waterfalls natively — tranche by tranche, period by period. Interest accruals, OC/IC tests, reserve accounts, and distribution mechanics run automatically on every new data drop, with full scenario sensitivity.

Structured finance-native
AI-Powered Natural Language Interface

Ask anything about your book in plain English. Every answer is source-cited and drillable in one click.

MFS insolvency — RTL book impact
Started 6:32 AM · 3 messages
AU
MFS just filed for insolvency in the UK — any read-through to our US RTL book?
Good question — this is a fast-moving situation. Based on what's available, the MFS insolvency looks idiosyncratic: allegations of double pledging of collateral point to a company-specific governance failure, not a business model issue. No read-through to UK bridging lenders broadly, and certainly none to your US RTL positions. Kiavi and Anchor are well-capitalised domestic hard money lenders with entirely separate funding structures and no MFS counterparty exposure. Worth monitoring, but no action required on your Consumer book today.
Consumer Credit II · RTL Tape Kiavi Warehouse · §4.1
ABFai
Ask a follow-up…
ABF.ai 1.0
Grounded · Source-cited · AI-native
What we handle out of the box

Built for the full spectrum
of ABF data.

Structured or messy, simple or complex — ABF.ai is designed for the exact data formats you're already working with. If you've got it, we can work with it.

Loan Tapes
Any column naming convention, any asset class. We map to our schema automatically.
Deal & Facility Structures
Warehouses, CLOs, NAV facilities, ABL — tranches, covenants, advance rates.
Performance History
Vintage data, prepayment curves, delinquency rolls — we rebuild your historical view.
Credit Documents
Memos, IMs, compliance reports — extracted and linked to deals automatically.
Servicer Reports
Monthly and quarterly feeds ingested and reconciled against your prior data.
Covenant & Compliance
Existing test suites and threshold monitors imported and automated from day one.
Our migration commitment
No surprise cutovers

We don't flip any switches
without your sign-off.

Every migration runs in parallel — your existing setup stays live while we build and reconcile your ABF.ai environment alongside it. We flag every discrepancy, explain every delta, and only proceed when you're satisfied with the match. Your old system gets decommissioned on your timeline, not ours.

Parallel operation during transition
Automated delta reconciliation
Human review at every milestone
Your decommission date, your call
Full audit trail of every import
Security & Compliance

ABF.ai is pursuing SOC 2 Type I certification — our data handling, access controls, and infrastructure are being independently audited against the Trust Services Criteria. Your ABF book stays yours, and it stays secure.

SOC 2 Type I
AES-256 Encrypted
Certification In Progress
Get started today

Ready when
you are.

Tell us where you're starting from and we'll map out onboarding together. Most teams are up and running in under two weeks.