For originators

Finance your portfolio without building a securitization back office. CARA7 operates the calculation agency, the cash management, the register and the investor reporting for the life of the transaction.

What you get

Funding against the portfolio. Receivables are sold to the issuer at closing. The proceeds of the notes pay the purchase price in the same operation, so there is no period during which the assets have left your balance sheet and the cash has not arrived.

The agency functions, operated. Calculation agency, cash management, paying agency, register and reporting are performed by the platform on each payment date. You provide the collections figure and the portfolio data. You do not staff a waterfall.

Cash that moves on the payment date, not weeks later. Collections are applied and holders are paid in the same operation. Cash does not sit between the servicer's account and the investors while a chain of intermediaries reconciles.

Reporting produced, not assembled. Positions, cash flows and portfolio aggregates are published as the period runs. Investor questions that normally require a data request are answered by the platform.

What that is worth

The comparable published figures come from operators performing these functions for European bank facilities. On one facility: back office time reduced from around forty hours a month to under five, cash idle between collection and application reduced from thirty days to zero or one, reporting from two to three days to real time, and interest expense reduced by around 25,000 euros a year on a 30 million euro facility. On another: a hundred thousand transactions a month validated on receipt, back office cost reduced by about eighty percent, interest expense by about thirty percent, and the advance rate increased by more than ten percent.

Those gains come from the agency functions being performed by software. They are the reason the priority of payments belongs on the platform rather than in a spreadsheet.

What you retain

You remain the servicer. You collect from your customers, you manage delinquencies, and you keep the customer relationship. CARA7 does not touch your originations and does not contact your obligors.

You retain the junior class and the residual, which is what aligns the structure and satisfies risk retention.

You keep control of the data you publish. Portfolio aggregates are public; loan-level detail is encrypted and released to entitled parties only, on the same split a conventional deal makes between the investor report and the data room.

What you provide

At closing	The portfolio and its data, the true sale documentation, the subordinated loan funding the cash reserve
Each period	The collections figure and the updated portfolio record
Ongoing	Servicing of the receivables, as you do today

The asset data layer

Each vehicle, battery and obligor in the portfolio carries a record, hashed and timestamped, referenced by a portfolio record that ties them together. For electric vehicles this matters commercially: battery state of health is the main driver of residual value, and a measured, verifiable record is a stronger basis for a residual value assumption than a depreciation curve and an inspection at return.

That is a funding-cost argument, not a technology argument. Uncertainty about residual value is priced.

Structuring

The programme supports three classes with sequential principal, a funded cash reserve, a full-cycle release and replenishment, deferral of subordinate interest without default, and a switch to accelerated payment order on enforcement. Class sizes, coupons, the reserve level and the period length are set per series.

To discuss a portfolio, contact us through the platform.