Quilo is a cloud-based, core-independent, fully digital platform that adds very little to no operational effort to your staff to implement and maintain.

Quilo's Syndication Network empowers you to offer or participate in larger, longer term loans of various types with less concentration risk which smaller FIs are so exposed to.

Approximately 20% of all community banks and credit unions have less than 50% of their deposits deployed in loans and struggle to acquire new borrowers. Because millions of Americans now use Google search to find lenders for every type of loan, Quilo also contracts with non-bank third parties that originate loans so you can choose to opt in to build up your loan portfolios by funding fractions of loans originated by other community banks, credit unions and third party loan originators.

You may have invested valuable resources and years nurturing relationships to build a successful indirect loan operation. To resolve a lack of liquidity, the last option you would want to choose would be to shut down your deal flow or send your existing base of customers away. Partnering with Quilo, you can continue to originate and fund these loans, knowing you have syndicated out as much as 90% of each loan to other participating lenders.

From time to time, you may want or need to rebalance your loan portfolios to mitigate different concentration and duration risks. Quilo enables you to automatically execute on a daily basis, trades to buy and sell fractions of individual loans, be it by specific loan type, loan duration or based on a borrowers’ location, so that you can maximize your performance on your loan portfolios.