Contact
See Pledged on a sample facility.
A walkthrough of the platform on synthetic data, with your questions.
Write to us
usepledged@narelas.comTell us who you are and what you lend against. Please don’t include borrower names or data.
The questions credit teams ask first.
“Does Pledged make credit decisions?”
No. Decision infrastructure is what a decision rests on: the evidence, the collateral state, the policy calculation and the record of what was decided. Your credit team decides. Pledged shows what each decision was based on, and keeps it.
“Are you replacing our appraiser or field examiner?”
No. Their NOLV, advance rates and exam findings are inputs. Pledged records them as evidence and executes your policy on top. It does not issue a valuation opinion, and Recovery is designed to organize appraisal inputs, not to replace them.
“How is this different from a borrowing-base calculator?”
A calculator assumes the inventory file is right. Most of the risk sits before the formula: what each field means, whether the counts reconcile, and who owns, holds and controls the stock. Pledged records each of those answers and the evidence behind it.
“What does Pledged need to run?”
For each reporting date: the borrower’s inventory and receivables exports, its locations and supporting documents, your eligibility policy and the appraisal NOLV. The exports can keep the column names the borrower already uses. Pledged maps them, and an analyst approves anything that affects credit.
“Does the borrower have to connect anything?”
Not to start. Pledged runs on the files the borrower already sends you. Pledged Connect is designed to add scheduled files and read-only connections, built for the systems a facility actually runs, once the work justifies it.
“Which systems do you connect to?”
Exports from any system work from day one. The ERP, warehouse and commerce systems named on this site illustrate the kinds of systems Pledged Connect is designed for; they are not integrations or partnerships. Native connectors are built for the stack of the facility in front of us.
“Will you tell us we could have lent more?”
Only if your own assumptions say so. Scenarios run on rules you set, on the same data, and every difference traces to the rule that caused it.