Bayes Capital enables private credit funds to launch their own structured credit origination strategies through AI-powered software.
With the flexibility to launch single or multiple credit products, funds can tailor origination to meet evolving portfolio needs.

In-house structured credit origination; Tools to design and manage bespoke origination pipelines
Embedded lending strategies; Integrating lending directly into non-financial platforms
Bilateral lending strategies; Direct lender-to-borrower agreements

APIs and Automation: The system utilizes external APIs to capture data from 3rd party sources (credit bureaus, accounting platforms, bank statements) for tactical credit decisioning at the originator level as well as strategic risk management at the private credit fund level.
Collateral Tracking: Given access to data via APIs, we can track collateral in real-time for more dynamic assets such as invoices receivable (factoring).
Flexibility: Our system is designed to operate in both traditional value chains and embedded funding programs.
Modular Business Functionality: For Originators (non-bank lenders), key functions include sales, operations, risk, finance, collections, and loan management. We enable private credit funds to select which of these functions they wish to retain control over within the Asset-Backed Lending (ABL) structure. For instance, a fund might choose to oversee finance and risk, while originators manage sales, operations, loan management, and collections.
Risk Infrastructure: We enable structured data from the loan management system to feed directly into the private credit fund’s risk models.
Deal Retention: When private credit funds use our platform to manage their ABL structures, they reduce the risk the origiantor will refinance with another credit fund.