Participate Launches Industry-First Automated Loan Participation Platform Integrated with FIS® IBS Core
Participate, a leading innovator in loan participation and syndication automation, has announced a groundbreaking integration with the FIS® IBS core banking system. This first-of-its-kind solution revolutionizes the loan participation process, enabling financial institutions to scale lending operations, optimize balance sheets, ensure compliance, and increase fee income—all without additional operational overhead.
Redefining Loan Participation Efficiency
By seamlessly integrating with FIS® IBS, Participate empowers financial institutions to:
- Maintain continuous lending capabilities
- Effectively manage and reduce concentration risk
- Maximize non-interest fee income
This innovation marks a major step toward full automation in loan participations, allowing financial institutions to streamline their operations while improving liquidity and overall profitability.
A Fully Automated, Scalable Solution
Participate provides comprehensive automation across the loan lifecycle, offering full pre- and post-sale functionality for participations, syndications, whole loan sales, assignments, and portfolio transactions. The platform eliminates manual inefficiencies, enabling institutions to scale loan sales while mitigating risks associated with portfolio concentration.
Seamless Core Integration for Unmatched Efficiency
This integration with FIS® IBS automates complex processes that traditionally required extensive manual effort, making it easier for banks and credit unions to manage loan participations. Key features include:
✅ Automated principal and interest tracking
✅ Streamlined fee management
✅ Intelligent error handling
✅ Instant auto-posting upon loan release
✅ Real-time, cloud-based balance and transaction visibility for all participants
✅ Automated notifications for participating institutions
A ~$10 Billion Multi-Brand Bank Holding Company’s Success Story
One multi-brand bank holding company, managing approximately $10 billion in assets, has already leveraged Participate’s platform to transform its loan participation and syndication workflows. As a result, the institution has:
✔ Increased loan origination capacity
✔ Boosted fee income streams
✔ Significantly reduced administrative burdens related to loan sales
Leadership Insight
Matt Johnner, President and Co-founder of Participate, highlighted the impact of this integration:
“By integrating with and enhancing the FIS® IBS ecosystem, we’ve built a solution that keeps institutions lending, accelerates income generation, and effectively mitigates risk. This is a significant step in building the premier loan sales ecosystem.”
About Participate
Participate is a patented, end-to-end loan participation and syndication automation platform, facilitating over $10 billion in loan transactions across a network of more than 800 lenders. The platform enables financial institutions to modernize loan sales, eliminate manual inefficiencies, and optimize balance sheet management. Learn more at ParticipateLoan.com.
FIS® is a registered trademark of Fidelity National Information Services, Inc. This release does not imply endorsement of Participate by FIS®.