LAUNCH OF CENERUS RATING AND MONITORING SYSTEM FOR COMMERCIAL LOANS GIVES BANKS AND LENDERS A FIRST-OF-ITS-KIND SOLUTION FOR LOAN TRANSPARENCY AND LIQUIDITY

New C-RATE System by Cenerus Helps Maximize the Value of Commercial Borrowers, Unlocking Billions of Dollars in US C&I Loans with Standardized Scoring and Rating

PHOENIX and NASHVILLE, Tenn., May 6, 2025 /PRNewswire/ -- Today, at the Bank Director Bank C-Suite Summit in Nashville, Tennessee, Cenerus, the leader in helping banks and credit unions increase profits through insight driven action, released a new offering bringing immediate relief and opportunity to banks and lenders in today's rapidly changing market.

Available today, the Cenerus Rating and Monitoring System^SM (C-RATE^SM) provides a clear, transparent, repeatable scoring and rating offering for commercial loans. This dynamic monitoring and decision-making tool for commercial lenders and investors gives loan holders updated, independent data on the quality and potential of each loan while providing investors transparent information increasing the potential for liquidity.

Clear, Transparent Scoring and Independent Ratings
Built on Cenerus' methodology of ongoing, whole-company insights to help lenders better understand their borrowers, the C-RATE Box gives each loan an at-a-glance Cenerus Score^SM, a 0 to 100 score showing the overall quality of the loan from a repayment perspective. It also shows Cenerus Ratings, A through F grades for Company Grade, Loan Variance Risk and Documentation.

"The market has changed.  The current, backward-looking analysis is failing banks trying to embrace opportunities and manage threats," said Sam Rosenfeld, CEO of Cenerus LLC. "The Cenerus Rating and Monitoring System fills an important gap for banks wanting an easy to reference, clear and active measurement of loans and borrowers while enabling commercial loans to work as more tradable assets because of reliable scoring and data."

Crossroads Impact Corp. Deploying C-RATE to Launch New Loan Program
The C-RATE system is launching with several pilot deployments including anchoring a new State Small Business Credit Initiative (SSBCI) offering by Crossroads Impact Corp and its CDFI subsidiary, Capital Plus Financial. The Texas-based SSBCI initiative brings much needed flexible business funding options to small businesses and utilizes the C-RATE data to immediately create an actively monitored and more tradable asset.

"Cenerus' C-RATE gives us the confidence of an up to date, clear score and review to help our team stay ahead of our portfolio while also making it easier to sell loans we're ready to move," said Eric Donnelly, CEO of Crossroads Impact Corp. "Crossroads' new Small Business Credit Initiative offering delivers on our mission to promote equitable access to capital and community development and  Cenerus' proactive risk management means that we're able to help even more small businesses when they need it most."

Benefit Beyond the Rating
C-RATE implementations can be conducted on a portion of banks' portfolios, individual loans or full portfolio deployment. Beyond the transparency and ease of monitoring provided by C-RATE, Cenerus delivers extensive benefits including:

• Fast, technology-agnostic deployments.
  • C-RATE benefits from but is not a technology implementation for the bank. This speeds review, approval and deployment as a service, not software that can add risk and time to deploy.
• Improved efficiency ratio.
• Proactive identification of threats and opportunities thanks to ongoing monitoring.
• Improved position with regulatory inquiries.
• Enhanced liquidity.
• Easy to start with a sample set of just ten loans.

Banks and credit unions interested in exploring the advantages of the Cenerus Rating and Monitoring System or learning more about Cenerus' other profit-building services for financial institutions can contact [email protected].

About Cenerus:
Cenerus is the leader in helping banks and credit unions of all sizes increase profits through higher customer visibility and intelligence driven action. Cenerus' easy to implement, quick return approach supports leaders move from reactive response to informed action across commercial credit environments. For more information visit www.cenerus.com

SOURCE Cenerus