Book a call

The Future of ALCO

GLASS empowers teams to continuously rebalance loan portfolios by enabling the buying or selling and settling fractions of individual loans or fractions of pools of loans, digitally, reducing the burden on lending and operations.

With glass you can

Sell participations in pools as small as $500,000

Buy participations in pools as small as $100,000

Subscribe to buy or sell fractions of any type of individual loan or credit line

Trusted by

optimize

trade

settle

Optimize your Balance Sheet

Set your target

Set your target to optimize for earnings or liquidity within your policy constraints.

See the impact

Analyze how the optimization may impact your performance metrics over the horizon.

Discover Optimization Options

Review target asset mix to reach your net interest income objective within your policy constraints.

Stress-test

Carefully analyze the impact on your projected performance over time under various economic and interest rate shocks.

Loan pool options

Assess whether suggested asset trades are acceptable for execution.

Peer analysis

Compare your key performance metrics to a peer group with similar asset mix or to a peer group of your selection. You can see the insights into the historical trends over the last 25 years under various economic conditions.

Trade

Sell and Buy Fractions of Loan Pools

Submit a loan pool to sell; or buy a fraction of a pool that best fits your balance sheet for your performance target.

Performance Analysis

Price to market and review Cash Flow and Net Interest Margin analysis over the life of the loans.

Balance Sheet Impact

See the projected impact to your balance sheet over the horizon.

Stress-test

Run performance analysis under various scenarios including interest rate, CPR and Charge-off shocks.

Counterparty Due Diligence

Review AI-assisted counterparty due diligence detailing leadership experience, performance metrics, economic stress-tests, policy compliance with access to loan detail, loan docs and geo-analysis.

Transparent Bidding

Negotiate to sell with multiple buyers securely and confidentially or buy with transparency knowing every component of the price.

Settle

Close

Standard 701.22, 701.23 compliant legal framework with MSA available online.

Settle

Next day settlement with detailed remittance report.

Remittance Service

Digitally-driven, low touch participation servicing for the life of loans with remittance, loan level reporting and GL.

Audit Ready

Transaction audit includes counterparty due diligence, loan performance and balance sheet impact analysis, settlement report and ongoing monitoring.

Why Quilo?

“With GLASS, Quilo democratizes balance sheet optimization by offering micro-participations and streamlining trading, negotiating, settling and servicing processes.”

Matt Stephenson
CEO of Rogue CU

Try it for free

Join the open discussion about how the ALCO teams leveraging loan participations to reach their strategic objectives including earnings and liquidity.

Request Invitation

Detroit, MI

March 14 – 15, 2024

San Diego, CA

April 8 – 9, 2024

Dallas, TX

April 22 – 23, 2024

Charlotte, NC

April 25 – 26, 2024

New York/Boston

May 03 – 04, 2024