Custodial Servicest | Concord Servicing Experts

Secure and Independent Custodial Services for Loan and Lease Portfolios

Concord Servicing’s Custodial Services provide secure, independent safekeeping of critical financial documents and records that underpin loan and lease portfolios. Acting as a neutral third party, Concord safeguards original agreements, collateral files, and key compliance documentation on behalf of issuers, lenders, and investors. In capital markets and private credit facilities, proper custody is essential for protecting enforceability, ensuring transparency, and enabling smooth execution of securitizations, warehouse lines, and structured transactions.

Our Custodial Services offering includes:

Document Safekeeping: Secure physical and electronic storage of promissory notes, loan agreements, security agreements, and related collateral documentation.
Collateral File Management: Indexing, tracking, and maintaining complete collateral files to ensure accuracy, accessibility, and compliance with investor requirements.
Chain of Custody & Integrity: Managing endorsements, assignments, and releases to maintain a clear and auditable chain of custody.
Compliance Reviews: Verifying completeness of documentation against eligibility checklists and transaction requirements.
Digital Access & Reporting: Offering electronic vaulting (eVault) and imaging solutions to provide controlled, digital access to custodial records.
Integration with Trustees, Verification Agents & Calculation Agents: Coordinating seamlessly with other facility agents to ensure that custody records align with reporting, verification, and investor oversight functions.

Key Benefits:

Legal Enforceability & Risk Mitigation: Independent custody protects enforceability of assets, ensuring loan/lease collateral can be perfected and assigned without dispute.
Transparency & Governance: A third-party custodian provides an auditable record of ownership and collateral status—critical for rating agencies, trustees, and fund investors.
Operational Efficiency: Centralized custody streamlines audits, securitization readiness, and collateral transfers across warehouse, forward-flow, and securitization structures.
Investor Confidence & Marketability: Secure custody supports investor trust and often facilitates better execution in secondary markets and capital-raising efforts.
Digital Transformation: eVault and imaging capabilities reduce reliance on paper files, increase accessibility, and align with modern lending and investing practices.
Support for Diverse Asset Classes: From consumer loans and equipment finance to renewable energy, elective medical, and specialty finance portfolios, Concord’s custodial expertise spans the full range of collateralized lending.

What We Do: End-to-End Credit Administration

We provide end-to-end credit administration services designed to connect investors, originators, and consumers. Our workflow ensures seamless portfolio management, compliant servicing, and trusted results across every stage of the credit lifecycle.

Investors

Fund

Originators

Borrowers/
Consumers

deal-level credit administration

deal-level portfolio administration

Custom Solutions for Unique Loan Dynamics

Our clients span industries where reliable credit administration is essential. Concord provides customized solutions for investors, originators, and service providers in home improvement, solar, vacation ownership, and capital markets.

commercial / equipment

home improvement / energy efficiency

solar

vacation ownership

fintech / BNPL

specialty vehicle / power sports

educational certification programs

elective medical

subscription & settlement programs

Foundational Technology Innovation

Technology is at the core of Concord’s services. With Concord Link, AI-driven insights, and built-in compliance systems, we deliver secure, efficient, and transparent portfolio management.

Stable and Performant Platform with Distinct Value Proposition

• Purpose-built, highly configurable, and flexible platforms, battle-tested in serving specialty end-markets.
• Proven ability to meet client needs across varied asset types and delivery models at scale.
• Modernized architecture with continued investment in features.
• Functionality and value-added capabilities.

Next-Gen Technology Significantly Expanding Value Proposition

• Best-in-class technology platform informed by review of competitive solutions and built for specialty lending markets.
• Modern architecture enables lower costs and greater efficiency for new product development and new market entry.
• Extensive configuration and scripting capabilities enabling faster implementations.

Why

Concord brings decades of expertise, cutting-edge technology, and a proven track record of delivering exceptional results for clients across industries. Our commitment to reliability, innovation, and customer success makes us the partner of choice.