Participation - Buy Side

Explore how participating in capstack looks from the buyer's side.

December 23, 2024 By Tzvika Perelmuter

In this tutorial, we will cover how buying into participation looks like in capstack, how to submit access requests to explore additional data like files and originating bank performance, submit participation requests, and sign the legal documents.

we will also showcase the existing notifications a buyer will receive trough the buying process.

Let's get started

First, we navigate into the marketplace and find a listing that we are interested in.

Step #1: Click on the title to see additional information — Click on the title to see additional information

Step #2: Click on "See more information" — Click on "See more information"

Offering Access Request

Currently, we are just viewers of this offering. We can see the basic data and terms. This data should suffice for us to understand whether we're interested in this offering and looking for additional data.

Until the originating institution approves our access request, the Documents, Institution performance, and Direct chat will be restricted. this is a security measure of the originating bank to control its data and limit access only to approved entities.

To submit an access request, we only need to click on "Request Full Loan Details".

The originating bank will get a notification about our interest in the loan and will have the option to grant us access.
Once access is granted we will also get a notification and be able to access additional data.

Step #4: Scroll down and click on "Request Full Loan Details" — Scroll down and click on "Request Full Loan Details"

Our access request was successfully submitted at this point. now we are pending the originator's action to proceed.

Once the access request is accepted, we will get a message stating we now have access to further explore the offering, we will be granted access to the following features:

Browsing the Documents library
Viewing the originating bank performance
Ask public questions in the Q&A section
Access private information about the borrower
Contact the originating bank via direct chat

Participation Request

The second step in the process of participating in a loan is the participation request.
After we decided we wanted to participate in the offering, we will be able to submit a participation request, this request states to the originator that we are interested in proceeding with the transaction.

the originator will evaluate our request and choose whether to continue with the offer.

Step #11: Click on "Submit Participation Request" — Click on "Submit Participation Request"

Step #12: Click on "Submit Participation Request" — Click on "Submit Participation Request"

By submitting a participation request, we are agreeing to the requested terms: participation amount and interest rate.

For further negotiation, you can contact the originating institution via direct chat. the originator has the tool to adjust and change the terms for a specific request.

Agreement

Once the participation request has been approved, we move to the agreement stage. in this stage Capstack offers the originator 2 options,

Fully managed agreement - Managing the agreement signing process for the parties via Docusign.
Manual agreement - Will be managed outside the system and uploaded after all parties have signed for documentation purposes.

In case the originator selected the "Fully managed agreement" option, you'll be required to sign the agreement first in DocuSign.

Step #15: Click on "Review And Sign The Agreement" — Click on "Review And Sign The Agreement"

We utilize Docusign as signing service as its trusted provider in the finance industry, for signing purposes we will be redirected to the Docusign website. after the singing we will return to Capstack automatically.

Step #16: Click on "Continue To Review And Sign" — Click on "Continue To Review And Sign"

Step #18: Click on "START" — Click on "START"

Step #19: Click on "Sign" — Click on "Sign"

Step #20: Click on "Finish" — Click on "Finish"

Step #22: Click on "Download agreement" — Click on "Download agreement"

Once the originating institution signs the agreement, we will proceed to the final part of the offering which is the summary, here we can see the terms we signed on, access all the information historically, and download the signed agreement.

Loan Management

Once the transaction is finalized, we provide also management features for the offering. we will be able to access the offering and management-related data such as loan performance, active and historical payments.

We elaborate even further about the loans management system in the "Loans Management" tutorial.

quick overview of the features:

Step #24: Click on "Manage loans" — Click on "Manage loans"

Step #25: Click on "Buy side" to access the performing loans — Click on "Buy side" to access the performing loans

Step #26: Click here to view the latest offering we just participated in — Click here to view the latest offering we just participated in

Notifications

Notifications are integral part of get real-time updates about the requests we submitted, every action in the system is mapped to a relevant notification that helps the user navigate easily and get up-to-date with later actions. here are some examples

Step #28: Press on the bell icon in the top right corner of the screen — Press on the bell icon in the top right corner of the screen

This is a notification we got as a party that requested access request to a certain offering. once we click on the notification we will be redirected to the relevant offering and can start exploring

Step #29: Click on the notification you want to open — Click on the notification you want to open

here we see that we have one unread notification.

we are being notified that our participation request has been approved and we can proceed to signing the agreement

Activity

Activity Is a place where we can browse all of our participation activities and view all the offerings we interacted with.

for documentation purposes, we also keep here finalized offerings for easy access.

Participation - Buy Side

Explore how participating in capstack looks from the buyer's side.

December 23, 2024 By Tzvika Perelmuter

we will also showcase the existing notifications a buyer will receive trough the buying process.

Let's get started

First, we navigate into the marketplace and find a listing that we are interested in.

Offering Access Request

To submit an access request, we only need to click on "Request Full Loan Details".

Our access request was successfully submitted at this point. now we are pending the originator's action to proceed.

Once the access request is accepted, we will get a message stating we now have access to further explore the offering, we will be granted access to the following features:

Browsing the Documents library
Viewing the originating bank performance
Ask public questions in the Q&A section
Access private information about the borrower
Contact the originating bank via direct chat

Participation Request

the originator will evaluate our request and choose whether to continue with the offer.

By submitting a participation request, we are agreeing to the requested terms: participation amount and interest rate.

For further negotiation, you can contact the originating institution via direct chat. the originator has the tool to adjust and change the terms for a specific request.

Agreement

Once the participation request has been approved, we move to the agreement stage. in this stage Capstack offers the originator 2 options,

Fully managed agreement - Managing the agreement signing process for the parties via Docusign.
Manual agreement - Will be managed outside the system and uploaded after all parties have signed for documentation purposes.

In case the originator selected the "Fully managed agreement" option, you'll be required to sign the agreement first in DocuSign.

Loan Management

We elaborate even further about the loans management system in the "Loans Management" tutorial.

quick overview of the features:

Notifications

This is a notification we got as a party that requested access request to a certain offering. once we click on the notification we will be redirected to the relevant offering and can start exploring

here we see that we have one unread notification.

we are being notified that our participation request has been approved and we can proceed to signing the agreement

Activity

Activity Is a place where we can browse all of our participation activities and view all the offerings we interacted with.

for documentation purposes, we also keep here finalized offerings for easy access.