Gallantree Platform
Next-generation loan management.
Underwriting, servicing, payments, collections, and monitoring in a single platform. Built for the complexity of structured credit portfolios and designed by the credit professionals who use it every day.
Why We Built It
Structured credit demands purpose-built loan infrastructure
Traditional loan management systems were designed for balance sheet lenders. They assume a single entity, a single book, and static reporting cycles. Structured credit is different. Multiple trusts, layered waterfalls, trustee reporting obligations, and real-time portfolio covenants require infrastructure that was built for this complexity from day one.
The Gallantree Platform was not adapted from legacy banking software. It was designed specifically for the way our credit team originates, services, and monitors loans across CLO programs and private credit structures.
Part of the Platform
Loan management that connects to everything else.
Loan data flows directly into portfolio analytics, waterfall calculations, investor reporting, and trustee packs. When a payment is received, the entire chain updates: loan status, trust cash position, investor distributions, and compliance checks. No re-keying, no batch processes, no reconciliation gaps.
Loan Servicing & Collections
Servicing, payments, and collections, in line with rating agency requirements
In partnership with our trustee, we provide loan servicing, collections management, and arrears assistance for portfolio loan obligations. Servicing is run inside the platform alongside the loan record itself, not in disconnected spreadsheets.
Collection Account Set Up
Fee, interest, and principal collection accounts established for originators.
Payment Instructions to Obligors
Sent in lender-of-record letterhead with BPAY and Direct Entry enablement.
Statements & Loan Settlements
All statements and settlements generated from the platform.
Payment Agent / Instructions
In partnership with AMAL Trustees, payments and ledgers are instructed by Gallantree.
Shared Servicing Fees
Split between Gallantree (Collateral Manager), Trustee (Master Servicer), and Private Credit Manager.
Arrears & Recovery
Configurable escalation paths with full borrower engagement tracking.
Collateral
Every property and security, with full tenancy, financials, and valuation history
Collateral is a first-class object alongside the loan. Whether the security is a commercial real estate asset or a residential home loan, the platform captures property details, tenancies, valuations, and financial performance in one record, ready for credit, treasury, and compliance to consume.
Tenancies
Lease terms, rent reviews, expiries, incentives, and tenant covenants.
Financials
Net operating income, operating expenses, capex, and serviceability metrics.
Valuations
Independent and platform valuations with full audit history and methodology.
Property Details
Type, grade, purpose, location category, owner, and asset-level metadata.
Performance Metrics
ICR, DSCR, WALE, total occupancy, and LVR computed from underlying data.
CRE & Home Loans
Configured for both commercial real estate and residential home loan collateral.
Dynamic Documentation
Term sheets, credit proposals, and credit memos generated from the loan record
Every document the credit team produces, indicative term sheets, credit proposals, credit memorandums, and committee packs, is generated dynamically from the loan record. Pricing, structure, covenants, and counterparty details flow straight through. No copy paste, no version drift, no stale figures.
Indicative Term Sheets
Credit Proposals
Credit Memorandums
Committee Packs
L17 100 Collins St
Melbourne, VIC 3000 Australia
Jesse Lee
Deal Lead
Gallantree AM
The Loan Lifecycle
Integrated modules across the full lifecycle
Underwriting
Structured credit assessment workflows from initial application through to approval. Risk scoring, document collection, policy checks, and committee decisioning in a single pipeline.
Configurable credit policy rules and automated screening
Integrated document management and checklist tracking
Multi-tier approval workflows with full audit trail
Real-time risk scoring against portfolio parameters
Servicing
Ongoing loan administration across the full portfolio. Interest calculations, fee management, facility amendments, and borrower communications managed centrally.
Automated interest and fee accrual calculations
Facility amendments, extensions, and restructures
Centralised borrower correspondence and task management
Multi-currency and variable rate support
Payment Instructions
Automated payment generation and distribution across trust structures. Direct integration with banking systems for settlement, reconciliation, and cash management.
Automated payment file generation and bank integration
Trust-level waterfall execution and distribution logic
Real-time reconciliation against expected cash flows
Complete payment audit trail and reporting
Collections
Proactive arrears management with automated triggers, escalation workflows, and borrower engagement tracking. Early intervention to protect portfolio performance.
Automated arrears detection and notification triggers
Configurable escalation paths and action timelines
Borrower engagement tracking and outcome recording
Integration with external recovery and legal workflows
Monitoring
Continuous portfolio surveillance against covenants, concentration limits, and performance triggers. Real-time dashboards and automated alerting for active credit management.
Covenant compliance tracking with breach alerting
Concentration and exposure limit monitoring
Performance trend analysis and early warning indicators
Automated reporting to trustees and rating agencies
What Sets It Apart
Built different, because structured credit is different
End-to-End in One System
No handoffs between disconnected tools. Every stage of the loan lifecycle, from first application to final repayment, runs on a single platform with shared data.
Configurable, Not Custom
Credit policies, approval workflows, escalation rules, and reporting templates are configurable by our team without code changes. The platform adapts as programs evolve.
Real-Time Portfolio Visibility
Every transaction, status change, and cash movement is captured in real time. Portfolio dashboards reflect the current state of the book, not yesterday's batch run.
Audit-Ready by Design
Full audit trails on every decision, amendment, and payment. Built to satisfy the governance requirements of trustees, rating agencies, and institutional investors.
Institutional-Grade Integration
Direct connectivity with institutional payment and settlement systems. Automated file generation, reconciliation, and exception handling reduce manual intervention.
Built for Credit Professionals
Designed by practitioners who have managed lending portfolios at scale. Workflows reflect how credit teams actually operate, not how software engineers think they should.
See loan management in action
Connect with our team for a walkthrough of how Gallantree manages the full loan lifecycle across our structured credit programs.
Let's get started
Move forward
with Gallantree
Clear next steps for institutions ready to originate, structure and invest in Australian credit with confidence.