Banks

Unlock Cash Flow-Based Loans for the Middle Market

Community and regional banks have long been trusted partners for local businesses, fostering strong relationships over time. However, as these businesses expand and require more sophisticated financing solutions, they are often forced to seek capital from larger financial institutions. With CIQ, banks can now retain and strengthen these relationships by offering cash flow-based loans to middle-market companies seeking debt capital for acquisitions, recapitalizations, or growth initiatives. Whether your commercial banking team serves private equity sponsors or directly supports non-sponsored lower middle-market companies, CIQ provides a highly efficient, scalable solution for cash flow-based lending—empowering banks to serve middle-market businesses with annual revenues between $10 million and $500 million.

Solutions for Banks

Move Beyond Spreading Financial Information

CIQ’s API-first approach gathers, standardizes, and analyzes detailed borrower data, eliminating manual reconciliation, reducing reporting delays, and making it faster and easier for banks to monitor borrower risk across their entire portfolio.

Automate Covenant Monitoring - Even for the Most Complex Credit Agreements.

CIQ maps granular borrower data directly to loan covenant definitions in the credit agreement, allowing banks to effortlessly monitor covenant compliance and proactively manage default risk.

Foster Stronger Lender-Borrower Relationships

Transform covenant enforcement from a reactive, one-sided process into a transparent, collaborative dialogue, helping borrowers stay ahead of financial risks while aligning on long-term business success.

Expand Lending Capacity through Partnerships with Other Financial Institutions

CIQ’s centralized financial data hub makes it easy to collaborate with other financial institutions, whether through loan syndications, participations, or strategic partnerships, ensuring your borrowers have the capital they need to grow.