Specialty lending
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left-white-arrow Explore Crisil, a company of S&P Global

Formerly known as Global Research & Risk Solutions

Specialty lending spans diverse assets and repayment structures, making standardized borrower analysis alone insufficient. Lenders must assess collateral performance, borrowing-base dynamics and structural protections while monitoring asset pools and triggers that can change rapidly as underlying performance deteriorates.

Crisil Integral IQ supports asset-backed finance, receivables and specialty finance structures across underwriting, cash-flow and collateral analysis, credit reviews and portfolio monitoring. Our domain-led teams help lenders strengthen transaction assessment, scale specialist capacity and maintain closer oversight of collateral and emerging risks.

10

Supporting borrowing-base redeterminations for a US bank's reserve-based lending portfolio

30-40

Borrowing-base cases supported per semi-annual redetermination season

Our solution components

 

 

We assess borrower fundamentals, repayment sources and transaction structures focusing on typical metrics like leverage ratio, lease-adjusted leverage (LALR) ratio, average revenue per store, DSCR, FCCR coverage across asset-backed and other specialized lending exposures

We assess eligible collateral, advance rates, borrowing base, asset performance, LTV analysis, residual value analysis to support lending decisions and ongoing exposure management

We evaluate cash-flow waterfalls, structural protections and repayment scenarios to assess transaction resilience and potential credit vulnerabilities

We perform periodic reviews including borrower business and financial analysis, collateral coverage, risk ratings and transaction developments to maintain a current view of credit quality

We combine credit expertise with automation and lending-platform enablement to standardize workflows, streamline monitoring and improve portfolio visibility

 

 

The problems we solve

Standardizing credit and collateral processes across portfolios

Case Studies

Domain-led teams and standardized frameworks help lenders address variations in credit processes across portfolios, strengthen periodic reviews and collateral monitoring, and improve consistency while freeing internal teams for higher-value risk activities.

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Scaling borrowing-base redeterminations during peak cycles

Case Studies

Specialist teams support recurring borrowing-base redeterminations, financial analysis and asset-level assessments, helping lenders manage seasonal volume peaks, shorten turnaround times and address review backlogs.

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Underwriting non-standard credit structures

Overview

Specialist credit and collateral expertise helps lenders assess transactions where repayment depends on asset performance, borrowing bases or bespoke structural protections.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Maintaining visibility into changing collateral values

Overview

Structured collateral analysis and monitoring help lenders track borrowing capacity, coverage and asset performance as underlying portfolio conditions change.

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

Turning scattered market
data into meaningful
business insights

Mutual fund case

Transforming scattered data into
actionable insights for smarter business
strategies

Read more

 

 

Recognitions

The confidence we deliver is felt across boardrooms, markets, and industries.

 

 

#37 in Chartis RiskTech 100 | 2025

Chartis RiskTech 100 Model Validation | 2025

#49 in Chartis RiskTech 100 | 2024

Chartis RiskTech 100 Model Validation | 2024

Best Companies for women India | 2024

 

 

 

Read more on our recognitions