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Loan services

Managing loan structures can be both daunting and time-consuming, especially as regulatory demands continue to increase.

At IQ-EQ, we help you navigate the intricacies of multi-party loans, leveraged loans, private debt, and private credit. We identify the best loan agent and loan administration solutions tailored to your business needs. We work with capital market issuers and investors around the world, providing end-to-end support from deal origination through to settlement.

Our expertise ensures you receive top-tier service and support at every stage, whether you need standard services like transaction processing or enhanced agency services for syndicated and complex transactions.

We combine our knowledge and skills with the best proprietary and third-party technology to offer market-leading, tech-empowered solutions.

Our services are tailored to meet the specific needs of our clients, offering comprehensive solutions for both simple and complex syndicated loan transactions involving large syndicates of lenders.Our services are tailored to meet the specific needs of our clients, offering comprehensive solutions for both simple and complex syndicated loan transactions involving large syndicates of lenders.

Loan onboarding

  • Timely and accurate input of loan data
  • Quality checks/ confirmation against credit documentation
  • Data verification against market sources
  • Unique identifiers

Loan administration

Specialisation in every stage of multi-party loans, from the initial loan application through to final settlement. Our loan management services aim to help you streamline your loan operations and ensure your loans are handled professionally and efficiently.

Loan agent services

  • Management of communication and coordination between all parties throughout the transaction
  • Support to your team by calculating interest, monitoring and updating the payment schedule, and ensuring a seamless journey for the full transaction
  • Ensuring you are always up to date and compliant with your documentation and reporting requirements

Loan processing

  • Covenant monitoring
  • Interest and fee calculation
  • Interest, fee and principal payments
  • Collateral monitoring
  • Multi-currency capabilities
  • Spread and amortisation updates

Loan services

  • Loan agency
  • Maintenance of credit documentation
  • Preparation and issuance of transaction notices
  • Monitoring of cash receipts and payments
  • Timely response to lender/borrower queries

Reconciliation and reporting

  • Cash and bank reconciliation
  • Asset position reconciliation
  • Automated P and L calculation
  • Position and portfolio P and L reporting
  • Customised reporting based on client needs

Loan settlement services

  • Offering a loan closing service that settles both trades across the ClearPar system and offline trades.
  • Preparing LSTA and LMA documentation for both par and distressed trades
  • Managing the settlement lifecycle
  • Liaising with agent banks and trading counterparties
  • Calculating break funding costs, delayed compensation, cost of carry, ticking fees and any other related costs
  • Tracking settlement times to ensure timely completion
  • Delivering executed transfer documents to trustee/account bank

Security trustee and agent services

  • Delivery of comprehensive security trustee and agent services
  • Ensuring proper administration and management of security interests
  • Acting as an independent third party to safeguard stakeholders’ interests

Covenant monitoring

  • Providing diligent covenant monitoring services
  • Ensuring compliance with loan agreements
  • Continuously tracking and reporting on covenant compliance

At IQ-EQ, our team is our greatest strength. By combining their expertise and skills with the best proprietary and third-party technology, we deliver smart, scalable solutions that support the full loan lifecycle.

We invest in a blend of proprietary and third-party platforms to tailor solutions to your needs.

Our end-to-end loan administration processing system is powered by a robust suite of integrated technology platforms, enabling greater efficiency, accuracy and control across every stage of the loan lifecycle.

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Integrated technology

Allvue provides real-time data, end-to-end automation and customisable reporting, eliminating the need for spreadsheets and batch updates.

Industry-specific expertise

Our teams have spent decades working in loan and credit markets. We know the structures, the risks and the realities.

End-to-end transparency

From onboarding to settlement, our clients benefit from a single source of truth, clear data trails and full visibility into loan status.

Scalability

Whether you’re managing a handful of loans or scaling across markets and structures, our best-in class loan administration services are built to flex with you.

Operational confidence

Our clients spend less time on operational pain points and more time making strategic investment decisions that drive value.

  • One dedicated team
  • Unrivalled technical expertise
  • Global follow the sun service with three hubs

Ready to level up your loan administration?

Contact our team to learn how we can help you reduce risk, boost efficiency, and scale your loan operations with confidence.

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What is loan administration?

Loan administration services help businesses manage and service their loans. These services could include loan servicing, documentation, compliance, origination, and portfolio management. Using professional loan administration services can help to streamline loan operations and ensure more effective management of loans.

What technology does IQ-EQ use for loan administration?

At IQ-EQ, we strive to find the most efficient systems by investing in state-of-the-art technology. Thanks to our partnership with Allvue, we can provide a high-quality end-to-end loan administration processing system to our clients. Allvue can also seamlessly integrate with other fund accounting systems, like Investran, to help simplify the debt and credit fund process.

What does a loan servicing agent do?

A loan servicing agent manages the day-to-day operations of a loan, including processing payments, maintaining records, and ensuring compliance with loan terms. They act as the intermediary between the borrower and the lender, handling administrative tasks to ensure timely payments and accurate documentation.

What is the difference between a secured loan and an unsecured loan?

A secured loan is backed by collateral, such as property or other assets, which the lender can claim if the borrower defaults. An unsecured loan, on the other hand, does not require collateral and is granted based on the borrower’s creditworthiness. Secured loans typically offer lower interest rates due to the reduced risk for the lender.

What is an administrative agent?

An administrative agent is responsible for managing the administrative aspects of a loan facility. This includes coordinating between the borrower and lenders, processing payments, and ensuring compliance with loan agreements. They play a crucial role in facilitating communication and maintaining the smooth operation of the loan.

What is the difference between an agent and security trustee?

An agent, such as a loan or administrative agent, manages the administrative and operational aspects of a loan, including communication and payment processing. A security trustee, however, holds and manages security interests on behalf of the lenders, ensuring compliance with legal and regulatory requirements. While both roles are essential, the security trustee focuses on safeguarding collateral, whereas the agent handles day-to-day loan management.

Working with IQ-EQ has been seamless – you and your team understand our business, advise us appropriately, and handle your side of our collective partnership so that we can focus on making good investment decisions. Evan Gibson SVP, Merchants Capital

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Interested in joining our team?

We are always on the lookout for passionate people that possess IQ and EQ to join our growing team.

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