85 Broad Street, 16th Floor - New York, NY 10004
(+1) 877-905-EARN (3276)
LENDERSOriginate, Purchase,
and Sell Commercial
Debt
Earn’s enterprise software solution enables lenders to efficiently originate, acquire, and dispose of commercial loans.
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Reduce Risk and Increase Efficiency
By publishing commercial loans to a permissioned blockchain using Earn’s enterprise software, lenders can enjoy unparalleled risk management, security, certainty, and control throughout the lending process.
According to Deloitte – In 2021, 69% of chief risk officers at financial institutions reported that enhancing the quality, availability, and timeliness of risk data will be an extremely high priority over the next two years.
According to Deloitte – In 2021, 69% of chief risk officers at financial institutions reported that enhancing the quality, availability, and timeliness of risk data will be an extremely high priority over the next two years.
Reduce Risk
When originating loans, conducting due diligence, or transferring debt instruments with Earn.re, all communications, documents, and transactions are authenticated and permanently stored to the digital loan file on the blockchain. Miscommunication, manipulation of information, and data loss are effectively mitigated with Earn’s enhanced security features.
Increase Efficiency
The blockchain acts as custodian for the loans, a registry of ownership, and a ledger of all transactions and payments. At origination, a smart contract created by Earn.re runs validation checks on the loan files and the output is documented permanently to the blockchain. When a loan is transferred or pledged to a third party, the transaction is added to the blockchain, reflecting the transferee as owner or pledgee.
Origination
Originating loans to the blockchain via Earn is fast and simple providing your organization with unparalleled scalability and control.
Set-Up
Establish your preferred workflows and origination procedures using our highly customizable enterprise solution.
Invite
Send secure invitations to borrowers and service providers to populate each loan file according to your pre-established workflows.
Fund
Once a loan file has been fully populated and validated, the loan is funded and automated servicing via smart contract commences.
Disposition & Transfer
Loan disposition and transfer using Earn is fast and efficient - the blockchain provides a transparent and authentic record of ownership.
Post
Post your loan for sale via the Earn platform at a fixed price or in a competitive auction format allowing for bids from multiple purchasers.
Invite
Send secure invitations to your network of qualified purchasers to conduct due diligence on the loan file and to submit bids for the purchase of the loan.
Transfer
Seamlessly transfer ownership of the loan to qualified purchasers after approving the transfer and purchase price. Funds are securely wired to your account upon transfer.
Bundle & securitize
The Earn system enables you to bundle multiple loans together, fractionalize ownership of the bundle, and issue participation interests to qualified purchasers.
Alternatively, Earn also allows you to securitize your loans and issue fractionalized ownership to accredited investors with secondary liquidity options available via Earn’s digital ATS partners.
Alternatively, Earn also allows you to securitize your loans and issue fractionalized ownership to accredited investors with secondary liquidity options available via Earn’s digital ATS partners.
Why Earn?
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Company
This website is operated by Earn RE, Inc. (“Earn.re”). This website does not constitute an offer to sell or the solicitation of an offer to buy securities. Offers to sell or the solicitation of offers to buy securities will only be made through a private placement memorandum and related subscription agreement made available by a registered broker-dealer. Investment opportunities posted on this website are “private placements” and may only be offered if they qualify for an exemption from registration under the Securities Act of 1933 (the “Securities Act”) and applicable state securities laws. Investment opportunities are intended only for Accredited Investors (as defined in Regulation D promulgated under the Securities Act). Investments in private securities involve significant risks, may lose value, are subject to holding period requirements and are intended for investors who do not need a liquid investment. Past performance is not indicative of future results. Investors must be able to afford the loss of their entire investment. You should consult your own financial, legal, tax or other advisers to assist you in making your investment decision. None of Earn.re, its affiliates and any of its respective representatives, officers or directors provide any investment, legal, business or tax advice, nor should anything included or referenced on this website be construed as such advice. Furthermore, communications through this website, including interactive electronic chats, should not be construed as investment recommendations or investment advice. Investment opportunities are not issued or guaranteed by Earn.re, or any of its affiliates. Neither the Securities and Exchange Commission nor any federal or state regulator has recommended or approved any investment opportunity or the accuracy or completeness of any information or materials provided by or through this website. Earn.re, and its affiliates make no representations or warranties as to the accuracy of the information available on or through this website and accept no liability for the same.