The Loan Sales Ecosystem
Increase lending capacity to meet borrower demand.
The first patented, end-to-end loan sales ecosystem for financial institutions — automating the front, middle, and back office of every participation, syndication, assignment, and loan pool.
- Live in a day
- Any core. Any LOS.
- SOC 2 Type 2 certified
- 4 U.S. patents
750+ financial institutionsin the Participate network
Six modules · one connected platform
- 01 Sell Loan Sale Automation
- 02 Share Document Sharing
- 03 Service Post-Sale Servicing
- New04 Buy Purchased Loan Automation
- 05 Connect LOS + Core Integration
- New06 Settle Payment Automation
Start with one. Connect them all when you’re ready.
Our partners & ecosystem
Modular loan sale & servicing infrastructure
Modular options that meet you where you are.
Pick the capabilities that fit the moment, then connect the full lifecycle when you’re ready. Every module shares one record, so nothing gets re‑keyed between your front, middle, and back office.
- Grow with borrowers
- Manage concentrations
- Generate fee income
- Redistribute credit risk
Front office
Loan Sale Automation
Start here if you sell loans.
- Automated workflow
- Virtual data room
- Integrated legal
- Subscription management
- Notifications & analytics
- Optional access to buyers
An efficiency tool for lenders, with consistency across groups. Need buyers? Tap the Participate Marketplace.
Explore the MarketplaceMiddle office
Document Sharing
Start here if you share loan files.
- Encrypted data room
- Permissioned documents
- Automated notifications
- Buyer diligence support
Secure communication with every participant for the life of the loan.
See it in a demoBack office
Post-Sale Servicing
Start here if you service sold loans.
- Shared balances with buyers
- P&I and fee distributions
- Rate and index changes
- Funding requests
- Auto-reconciliation with your core
- Automated notices
Set up automatically when a loan sells, with self-service for buyers.
Read about servicingBuyer side
Purchased Loan Automation
Start here if you buy loans.
- Buyer-side intake
- Notice extraction
- Comparison to core data
- Exceptions and audit trail
Manage the loans you buy without re‑keying a single notice.
Explore PLAYour systems
LOS + Core Integration
Connect once, and loan data flows between your systems and every module — no re‑keying in either direction.
- Baker Hill
- Moody’s
- nCino
- Abrigo
- Fiserv
- FIS
- Jack Henry
- Any system via open API
Settlement
Payment Automation
A ~1-minute flow of transaction detail, current balance, digital statement, notices, and payment.
Not sure where to start?We’ll map the modules to how your team works today. Selling a single loan? Post it with CMaaS — no integration needed.
Get a Free DemoWhy Participate
Still running loan sales on email, spreadsheets, and wires?
Lining up buyers, sharing loan files, reconciling balances, sending payments, and re‑keying purchased loans by hand adds weeks of work in every office. Participate connects it all on one shared record.
The manual way
- Phone calls and back-and-forth emails to line up buyers
- Paper NDAs, couriers, and drop boxes for loan files
- Spreadsheets to reconcile balances with every partner
- Wires and manual notices for every payment
- Re-keying purchased-loan data from seller notices
With Participate
- Choose existing or new partners — Participate does the rest
- An encrypted, permissioned data room for the life of the loan
- One real-time record of balances, shares, and rate changes
- Payments, statements, and notices that flow together in about a minute
- Purchased-loan notices matched to your core automatically
ROI opportunities
More loans. Faster closes. New fee income.
Whether it’s freeing up space to make more loans, closing loans more quickly, or generating servicing fee income on sold loans, Participate’s ROI makes it a no-brainer for any financial institution.
01 · Opportunity cost
Bigger loans without lending-limit or concentration-risk issues
Stop saying no to good loans. Sell the portion you don’t want to hold as a participation or syndication — and keep your best customers.
02 · Time to close
2–4 weeks faster to close
Generate more interest income by closing 2 to 4 weeks faster, with automation in place of phone tag and paperwork.
03 · Service fees
Fee income on the loans you sell
Charge servicing fees on the loans you sell — participations, syndications, and more — while automation handles the back-office work.
Timing and financial outcomes vary by institution and transaction.
What our clients say
What our clients say
“Participate has saved us countless hours by automating what used to be a very manual process. Participants can now see what we see when it comes to transactions, balances, and interest rate changes, so everyone is always on the same page. It has eliminated the need for reconciliation with our downstream partners.”
Not ready for a demo?
How a $1B+ bank scaled loan participations
See how it served larger borrowers, managed hold-limit pressure, and kept servicing connected after the sale.
Get the free case study
Your partners + new onesYou control access
The Participate Network
Bring your partners. Or meet 750+ new ones.
Work with your existing trading partners, meet new banks, credit unions, and other financial institutions on the Participate Network — or both. You control who sees every loan you offer.
Your existing partners
Invite the banks, credit unions, and other lenders you already trade with.
A nationwide network
Find new buyers and sellers through the Participate Marketplace.
Permissioned access
Decide exactly who sees each loan and its documents.
Security & integration
Bank-grade security. Any core. Any LOS.
Participate delivers bank-grade security in a cloud-based environment — and connects to the systems your team already uses.
SOC 2 Type 2 certified
Independently audited controls for data protection, operational integrity, and compliance.
Integrates with any core & any LOS
Our open API connects Participate to your loan origination system, core banking platform, and other tools.
Permissioned by design
You control which partners can access each loan and document.
Audit-ready records
A complete history of every loan’s transactions, documents, and notices, ready for audits and exams.
FAQ
Questions lenders ask us
Everything you need to know before your demo. Still have questions? Our team is happy to help.
Not ready to talk yet? Read how a $1B+ bank scaled loan participations Get the free case studyWho is Participate built for?
Any financial institution that buys or sells loans — banks and credit unions of every size, CDFIs, private credit lenders, and more. Sellers use Participate to move loans faster and service them after the sale. Buyers use it to review documents, commit to deals, and track the loans they hold with purchased loan automation.
What types of loan sales does Participate support?
All of them: loan participations, syndications, loan assignments, whole loan sales, and loan pools, for any loan type and size. Every trade runs on the same workflow, from first offer through post-sale servicing. New to these structures? Read our guides to loan participations and loan syndication.
Do we need every module?
No. Participate is modular. Start with the part that fits today — loan sale automation, document sharing, post-sale servicing, purchased loan automation, or payment automation — and connect the full lifecycle when you’re ready. Selling a single loan? CMaaS lets you post it with no integration.
How is Participate priced?
Pricing depends on the modules you use, and we’ll walk you through it on your demo. Selling an occasional loan? CMaaS is a flat fee per loan posted, with no integration required and no term commitment.
What does Participate do for the loans we buy?
Purchased Loan Automation (PLA) automates the buy side. It captures purchased-loan data from emails, spreadsheets, PDFs, and agent notices, compares it to your core, routes exceptions with a full audit trail, and posts clean updates back to your systems.
How does payment automation work?
Use Fedwire today, or settle with tokenized deposits and approved stablecoins through our partnership with Vantage Bank and Custodia. Transaction detail, current balances, digital statements, notices, and payments move together in about a minute. See how tokenized loan participation payments work.
Do we have to work with new partners?
No. Work with your existing trading partners, connect with new ones on the Participate Network of 750+ financial institutions, or both. You control who has access to each loan you offer.
Will Participate work with our core and LOS?
Yes. Participate integrates with any core and any LOS — including nCino, Fiserv, FIS, Jack Henry, Baker Hill, and Abrigo — and our open API supports secure data exchange with your other tools.
What happens after a loan is sold?
Participate records the transaction history and pro rata share for each party, notifies buyers when funds are requested or disbursed, and keeps balances and interest rate changes in sync — eliminating reconciliation with downstream partners.
Is our data secure?
Yes. Participate delivers bank-grade security in a cloud-based environment and has achieved SOC 2 Type 2 certification. You decide which partners can see each loan and its documents.
How does Participate support exams and audits?
Participate keeps a complete history of every loan’s transactions, documents, and notices, uses standardized agreements, and keeps every party’s balances in sync. On the buy side, Purchased Loan Automation routes exceptions for approval with a full audit trail. And Participate is SOC 2 Type 2 certified.
Is Participate really patented?
Yes. Participate is the first patented, end-to-end loan sales ecosystem and holds four U.S. patents for its loan participation automation and network.
Your free demo
What happens when you request a demo
- Live in a day
- SOC 2 Type 2 certified
- Any core. Any LOS.
Tell us how you work today
Share how you sell, buy, or service loans now, and the loan types that matter most.
See the modules that fit
We’ll show you Participate on loan types like yours, from the front office to the back office.
Get your ROI estimate
Leave with an estimate of the fee income and extra interest for your institution.
Request your demo below
Schedule a Free Demo
Want to streamline your loan participations with automation? Discover more about Participate – book a demo today.