Lending technology

Securitization software development

Pool selection and waterfall calculations still run through a spreadsheet with a dozen linked tabs, and one broken formula away from a very bad day. We build the platform that replaces it.

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Sketch: loan documents pooling into a securitization structure

What is securitization software?

Securitization software runs the pool selection, waterfall calculations, and investor reporting behind a securitization or loan sale program. Codiot builds the software that replaces the spreadsheet-based process most programs start with, before a broken formula or a version-control mistake becomes an investor problem. (Note: 'securitisation' is the equivalent UK/international spelling for the same process.)

The moment you're probably in

You'll recognize one of these.

The spreadsheet-of-record risk

Your entire securitization waterfall lives in a spreadsheet that one person understands, and it's one broken link away from a very bad day.

The pool selection bottleneck

Selecting the optimal pool for a deal means manually filtering thousands of loans against dozens of criteria, every time.

The investor reporting scramble

Monthly investor reports get assembled by hand from multiple sources, and a mismatch means a very uncomfortable call.

What we build

Securitization software, end to end.

Select poolStructureWaterfallReport

Pool selection engine

Loans filtered and optimized against deal criteria automatically, not screened row by row.

Waterfall calculation

Cash flow waterfalls calculated in software, versioned and auditable instead of spreadsheet-fragile.

Investor reporting

Reports generated directly from the same data driving the waterfall, so numbers always reconcile.

Deal structuring tools

Modeling support for structuring tranches and testing scenarios before a deal is finalized.

Compliance and audit trail

Every calculation and data source logged for rating agency and investor scrutiny.

Loan tape integration

Connects directly to automated loan tape generation, rather than a separate manual process.

Systems we speak

Your stack, not our preferences.

PythonSnowflakeAWSEncompass

FAQ

Common questions, answered plainly.

How much does securitization software cost?

Cost is driven by deal complexity and the number of tranche structures supported. We quote a fixed scope after discovery.

Can this replace our spreadsheet waterfall model?

Yes, that's the most common starting point: migrating an existing spreadsheet waterfall into an auditable, versioned system.

Does it support multiple deal structures?

Yes, the platform is built to model your specific tranche and waterfall structures, not a single generic template.

How does this help with investor reporting?

Reports are generated from the same underlying data as the waterfall calculation, so there's no manual reconciliation step where errors creep in.

How long does a securitization platform take to build?

A focused first release covering pool selection and one waterfall structure typically ships in 4-6 months.

The rest of the stack.

Loan tape automation Loan origination system development Lending industry hub Contact

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Show us how this runs today.

One call. Walk us through how it works in your shop today, and we'll tell you honestly where custom software pays off, and where it doesn't.

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