Services

Marketplace

The FairTrade Financial Marketplace is Canada’s only loan trading platform where balance sheet managers can view, buy and sell residential mortgage, consumer and commercial loan pools. Our platform provides exceptional options for reducing concentrations and improving diversification by geography, credit quality and asset class. With new loans coming online regularly, you can quickly find what you need to scale your loan participation portfolio and diversify your balance sheet.

FairTrade Financial utilizes a standard agreement across all transactions, significantly reducing the time spent negotiating contracts and allowing deals to close in days, rather than weeks or months. From deal discovery, to pre-sale due diligence, deal closing, post-closing reporting and analytics, our platform streamlines the entire process so you can stay focused on executing your portfolio strategy.

With decades of capital markets experience, FairTrade Financial’s Trading & Execution team can help you achieve your balance sheet goals by:

  • Creating the best pools for your needs as a seller, whether you are looking to maximize proceeds, gain on sale or something else.
  • Providing best pricing. With our fingers on the market’s pulse, we know where yields need to be.
  • Matching buyers and sellers of every loan product, allowing you to sell what you want and buy what you need.l
  • Creating bespoke opportunities by leveraging our network of sellers to create a custom participation pool suited to your balance sheet’s needs.
  • Digging deep into data to evaluate how your loans are performing.
Product Demo
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We deliver to you:

Personalized assistance

Our dedicated sales team will help with onboarding your existing portfolio and launching new opportunities.

Active marketing

We connect potential buyers and sellers with deals based on their purchase history and our proprietary market data.

Detailed analytics

Receive accurate month-to-month, rolling, and constant prepayment rates, as well as delinquency rates, IRR, and other loan analytics.

Complete transparency

We provide detailed information on sellers as well as their loans on our platform, enabling you to make informed decisions before you buy.​

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Reporting

Create a single end-of-month process across all of your transactions and loan types by consolidating your existing loan sales or purchases whether they are participations or whole loans into the FairTrade Financial platform. With our reporting tools in place, your institution can rapidly scale your loan portfolio strategy with confidence and clarity.

FairTrade Financial’s regulatory and GAAP-compliant reports allow you to stay ahead of requirements and respond to compliance requests with ease and is specially tailored for the complexities of purchased loan portfolios where premiums, discounts and ever-changing loss rates need to be managed across many partners. Automated, detailed accounting and financial reports can be sent directly from our platform to ensure the timely delivery of necessary information.

Our automated loan reporting allows financial institutions to reduce the traditional costs of manual investor reporting and remitting, accelerating the time you deliver, receive, reconcile and ingest reports each month from several days (if not weeks) to a few hours.

Product Demo

We deliver to you:

Detailed, distinct records

View granular, loan-level payment information as well as summaries to support reconciliations for accounting and regulatory entries.

Discrepancy identification

Identify and resolve exceptions from counterparties that are virtually impossible to locate manually.

Unified data sets

Leverage and benefit from a single, unified model transforming unstructured, disjointed data sets from multiple distinct sources.

High-tech automation

Eliminate inefficient manual processes that lead to inaccuracies and high operational costs and, equally importantly, close your books on time

Analytics

We clean and transform previously unstructured data for our analytics solutions, giving your team access to powerful and accurate performance tracking. Easily access, monitor and share essential metrics and performance reports to drive and align your institution’s loan portfolio strategy.

Analyze your portfolio from the pool, asset class and portfolio-level view to gain a comprehensive and clear perspective on the performance of your loan underwriting and trading benchmarked against your initial investment expectations.

Our analytics are designed specifically with proactive balance sheet management in mind. Gain new insights by visualizing your loan portfolio’s diversity, projecting future loan performance and tracking changes to existing loan income.

Product Demo
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We deliver to you:

RR and scenario analysis

Stress tested and forecasted performance
metrics, leveraging real historical data and user-adjusted estimates of future
prepayment rates and charge-offs.

Prepayment calculations

Accurate month-to-month, rolling, and
constant prepayment rates.

Benchmark comparisons

Track the performance of your loans
against other investments on the platform.

Cumulative charge-off rates

Analysis of past defaults and
delinquency behaviors to reveal leading charge-off indicators.

Trend analysis

Views of each pool’s most critical trend characteristics
over time and remaining beneficial life.

Pool and asset

level performance reports- Key analytical insights
delivered in a polished, printable and presentation-ready Excel format for your
key stakeholders.

Income analysis

Effects of return of principal, charge-offs and
prepayments on monthly participation income.

Income ratios

Ratio of income over the amortized cost of your
investment, with selectable methods to amortize the cost over the
investment’s life.