Design Partner Program · for asset-based lenders
Evaluate Pledged on a real facility.
One facility. Your existing data. A reproducible historical collateral review, run alongside your current credit process, with every borrowing-base difference and evidence gap explained. Nothing Pledged produces is binding, and your process does not change.
The program
From one historical review to a decision about the next step.
Historical review
Choose one facility and two to four past reporting dates, under a data protocol agreed first.
Evidence and BBC reconstruction
Pledged rebuilds the collateral position and the borrowing base from the files as they were, under your approved policy.
Exceptions
Each difference with the certificate is classified and explained, with the evidence it would take to resolve it.
Lender review
Your team reviews the findings in a working session and decides what, if anything, they change.
Recurring shadow monitoring
If the review earns it, Pledged runs beside your process each period, without decision authority.
What each side brings
You provide
The facility as it was.
Historical borrowing base certificates and their schedules
Inventory by SKU and location with costs; receivables aging if the facility includes it
The credit agreement or policy, with the versions in force at each date
Reserves and the appraisal NOLV you accepted; reconciliations and third-party documents where available
You receive
A Real Facility Review.
Canonical inventory and receivables with source lineage and visible ambiguities
The borrowing base reconstructed under your rules, with a variance bridge to each certificate
Evidence gaps, with internal consistency kept apart from external corroboration
Scenarios only where you propose or approve them, and a written view of limits and next steps
What it is not
Bounded by design.
Not a production service, and no output is a credit decision
Not an appraisal, a valuation opinion or a field exam
Not a certification that inventory exists, of title or of lien priority
No real data before the Data Handling Protocol is agreed in writing
Your team’s time
Scoped to fit beside the day job.
A kickoff to choose the facility and dates, clarification of how your policy is applied, and a working session to review the findings. Pledged does the reconstruction work and records how long each step took, so you can judge what a second facility would cost.
The review is run on the engine you can see on this site, working from files. Connectors, the borrower portal and scheduled monitoring are not required and are not part of the first review.
Request
Tell us about the facility.
A design partner review, or a walkthrough of the platform on the synthetic sample facility. We reply to qualified lenders to agree scope and the data protocol before anything else.
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Write to us
usepledged@narelas.comTell us the collateral, the approximate facility size, its locations or 3PLs, and what you would want a review to answer. Please don’t include borrower names or data.