Valuations

More Than Just a Number

Traditional lending treats collateral valuation as a simple timestamp and a number, overlooking the dynamic nature of assets. Market conditions, depreciation, and business performance can significantly impact values.

Canopy turns valuation into an ongoing, intelligent process tailored to your collateral types and lending needs. Our system understands that different types of collateral require different valuation approaches, frequencies, and responses.

Adapting to Asset Needs

Collateral valuation varies across asset types:

• Stable Assets: For assets like real estate, Canopy supports traditional workflows with scheduled appraisals, lender reviews, and automated estimates
• Dynamic Assets: For securities or cryptocurrency, real-time updates through Automated Valuation Platforms (AVPs) ensure accurate risk management
• Commercial Assets: For accounts receivable or inventory, Canopy integrates with borrower systems or processes periodic reports to calculate values using eligibility criteria and advance rates

Workflow Automation

Each valuation update in Canopy can trigger immediate actions. When a new valuation arrives—whether from an AVP feed, a manual update, or an automated calculation—our system immediately:

• Recalculates current loan-to-value (LTV) ratios
• Compares against program thresholds
• Adjusts credit, issues margin calls, or takes protective measures when needed

This ensures your operations stay proactive, not reactive.

Portfolio Insights

Beyond individual values, Canopy offers analytics at the portfolio level. Track trends, spot risks, and adapt to market changes using strategic insights from your collateral data.

Dynamic, Strategic Valuations

With flexible inputs, automated monitoring & updates, and actionable insights, and portfolio-wide analytics— Canopy ensures that your lending program remains responsive to the dynamic nature of modern secured lending.