Platform overview
Post-close servicing built for institutional structured finance
Atlas ABS is a comprehensive deal management platform for C-PACE and ABS transactions. From capital structure and waterfall execution to SEC reporting and investor verification — purpose-built for trustees, servicers, and originators.
What is Atlas ABS
Structured finance infrastructure, not another spreadsheet
Atlas ABS is a post-close servicing platform for C-PACE (Commercial Property Assessed Clean Energy) and other asset-backed securities. It replaces the fragmented mix of email chains, spreadsheets, and shared drives that currently govern deal operations at most trustees and servicers.
The platform covers the full deal lifecycle — from initial project setup and capital structure definition through ongoing payment period execution, investor distributions, and SEC regulatory reporting. Every action creates a permanent, auditable record.
Atlas ABS does not move money. It records, verifies, and manages the information infrastructure that surrounds the flow of funds — credential management, waterfall configuration, distribution approvals, and compliance documentation.
- Trustee-governed deal lifecycle from inception to final maturity
- Automated waterfall execution with immutable execution snapshots
- Native SEC Reg AB support: 10-D, ABS-EE, and periodic reporting
- AES-256 field-level encryption with two-party credential verification
- 7 project-scoped roles with fine-grained permissions per module
- 25+ in-app user guides written for structured finance practitioners
3,375+
Automated tests ensuring platform reliability across every workflow
13
Integrated modules covering the full deal lifecycle end to end
7
Project roles with fine-grained permissions per module and action
25+
In-app user guide articles written for structured finance teams
Platform modules
Every dimension of deal management, covered
Thirteen integrated modules, each purpose-built for a specific dimension of structured finance operations.
01
Deal Setup & Project Management
Guided deal wizard for project metadata, closing dates, and structure parameters. Multi-participant onboarding with organization-level and project-level role assignments. Deal dashboard with status tracking across all active modules.
02
Capital Structure
Define tranches with seniority order, coupon rates, credit ratings, and OC/IC covenant thresholds. Priority tower visualization. Track note balances and pro-rata investor allocations across the full capital stack.
03
Asset Pool Management
Track C-PACE assessments and receivables with full property details, municipality mapping, and geographic concentration monitoring. Pool factor calculations, delinquency flags, and prepayment tracking with historical snapshots.
04
Payment Period Lifecycle
Generate collection and distribution schedules. Servicer collections submission with variance validation. Waterfall execution preview before trustee approval. Full state machine: Draft → Open → Collections Received → Waterfall Executed → Closed.
05
Investor Verification
KYC document collection, accreditation verification workflow, and subscription agreement management. Investor portal with role-scoped deal visibility, note balance tracking, and payment history. Certification expiration monitoring.
06
Trust Accounts
Segregated custody account management with real-time balance tracking and full transaction history. Trustee-level controls for account activation, fund segregation, and period-end reconciliation. Supports collection accounts, reserve funds, and distribution accounts.
07
Credential Management
AES-256 encrypted bank account credentials with masked display. Plaid integration for verified bank account linking. Two-party verification workflow: submission by one participant, independent verification by a second before activation. Full version history and change audit trail.
08
Reconciliation Workflows
Period-over-period reconciliation comparing expected vs. received collections with variance analysis and exception flagging. Multi-party sign-off workflow before distributions are finalized. Reconciliation history with exportable reports for each distribution period.
09
SEC Reporting
Native 10-D, ABS-EE, and periodic report generation mapped to EDGAR filing requirements. Automated data aggregation from deal modules into report templates. Distribution report and servicer certification generation with version control and trustee sign-off.
10
Deal Document Management
Version-controlled document repository for indentures, prospectuses, servicer reports, trustee certificates, and legal opinions. Access logging for every document view and download. Organized by deal, category, and document type with full-text search.
11
Servicer Management
Servicer onboarding and contract management. Advance tracking with repayment schedules. Remittance report submission and review workflow. Performance monitoring against contractual servicer obligations with breach escalation.
12
Trigger Monitoring
Covenant and performance trigger monitoring with configurable threshold rules. Automated breach detection and notification. Cure period tracking with documented cure events. Full trigger lifecycle: Active → Breached → Cure Initiated → Cured / Permanent.
13
In-App Help Center
25+ contextual user guides covering every workflow from deal setup through final distribution. Written for structured finance practitioners — trustees, servicers, and originators — not generic SaaS users. Searchable, role-aware, and updated with each platform release.
Access control
7 roles. Fine-grained permissions. No over-sharing.
Every deal participant sees exactly what their role requires — and nothing more. Permissions are enforced at the module and action level.
| Role | Primary function | Key capabilities |
|---|---|---|
| Trustee | Deal governance and oversight | Full deal access, waterfall approval, credential verification, SEC report sign-off |
| Servicer | Collections and remittance | Asset pool management, collections submission, advance tracking, remittance reporting |
| Originator | Deal origination and setup | Deal structure, capital structure definition, document management, participant onboarding |
| Investor | Note holding and reporting | Portfolio view, payment history, investor certificates, KYC/accreditation workflow |
| Custodian | Document and asset custody | Document repository access, trust account oversight, custody confirmations |
| Auditor | Independent verification | Read-only access to audit logs, reconciliation records, and compliance documentation |
| Observer | Limited read access | Scoped read-only visibility as defined by the deal trustee — no action capabilities |
Deal lifecycle
From deal close to final distribution
Atlas ABS follows the natural lifecycle of a structured finance deal — each phase building on the last.
01
Deal setup & participant onboarding
Trustee creates the deal record, enters closing parameters, and invites participants. Organizations are assigned project-scoped roles. Deal documents uploaded and indexed.
02
Capital structure & asset pool configuration
Define the tranche stack with seniority, coupon, and covenants. Load the initial asset pool — C-PACE assessments, receivables, or loans. Configure waterfall steps for the first distribution period.
03
Credential verification
Servicers and payees submit bank account credentials through the encrypted credential portal. A second authorized participant independently verifies each credential before it is activated for use in distributions.
04
Payment period: collections
Servicer submits collections data for the current period. The platform validates against expected schedules, flags variances, and routes exceptions for trustee review before proceeding.
05
Waterfall execution & distribution
Trustee previews the waterfall execution against current collections and balances. After approval, the distribution lines are finalized, locked as an immutable snapshot, and distribution reports are generated.
06
SEC reporting & period close
10-D, ABS-EE, and servicer certification reports are generated from deal data. Trustee reviews and signs off. Reports are exported in EDGAR-ready format. Period is closed and archived in the immutable audit record.
Security architecture
Built for institutional scrutiny
Designed to pass trustee due diligence reviews, investor security questionnaires, and regulatory audits.
Immutable audit trail
Every platform action — credential submission, approval, waterfall step execution, document access, role change — is permanently logged with actor identity, timestamp, IP, and data delta. Logs cannot be modified or deleted by any user including administrators.
Field-level encryption (AES-256)
Sensitive financial data — account numbers, routing numbers, and other confidential identifiers — is encrypted at the field level using AES-256 before database storage. Encryption keys are managed separately from application data and support rotation without data loss.
Two-party verification protocol
Bank account credentials require independent submission and verification by two separate authorized participants. No single party can activate credentials unilaterally. Every verification step is logged with actor and timestamp.
Role-based access control
7 project-scoped roles with permissions enforced at the module and action level. No role-bleed between deals. Trustees control participant access and can revoke roles immediately. All access changes are logged.
Out-of-scope payment processing
Atlas ABS never holds, transfers, or processes funds. The platform manages information about payments — credentials, schedules, approvals, records — but the actual payment execution occurs outside the platform through existing trustee banking infrastructure.
Multi-factor authentication
TOTP-based two-factor authentication required for all accounts. Recovery codes issued at setup. Session management with configurable timeout and concurrent session limits per organization policy.
Common questions
What Atlas ABS does — and does not do
Does Atlas ABS move or hold funds?
No. Atlas ABS is an information and workflow management platform. It never holds, transfers, or executes payments. Fund movement continues through your existing trustee banking infrastructure. The platform manages the data and approvals that surround those transactions.
Which asset classes are supported?
Atlas ABS is purpose-built for C-PACE (Commercial Property Assessed Clean Energy) deals and other ABS structures. The platform is flexible enough to support RMBS, CMBS, CLOs, and other structured finance instruments with configuration.
How does waterfall configuration work?
Trustees define waterfall steps through a drag-and-drop interface with multiple calculation types: pro-rata interest, principal payment, fee allocation, reserve fund contribution, and subordinate distribution. Each step references the deal's capital structure and pool data. Waterfall configurations are versioned — changes create a new version without affecting historical distribution snapshots.
What SEC reporting does the platform support?
Atlas ABS includes native templates for Form 10-D (ABS distribution reports), ABS-EE (asset-level data), and periodic servicer certification reports. Data is automatically aggregated from deal modules. Reports can be exported in EDGAR-ready formats. Custom report templates can be added for deal-specific requirements.
How long does deal onboarding take?
A standard C-PACE deal with a defined capital structure and initial asset pool can be set up in 1–2 days by a trustee administrator. Full participant onboarding and credential verification typically takes 1–2 weeks depending on the number of participants and their responsiveness.
Does Atlas ABS integrate with existing trustee systems?
The platform supports structured data exports compatible with most trustee accounting systems. An API is on the roadmap for direct integrations. Plaid integration is available for bank account verification. Custom integration support is available for enterprise deployments.
Request a demo
Tell us about your deal structure and portfolio. We will show you how Atlas ABS handles it — from capital structure setup through the first distribution period.
Email
contact@atlasci.io
Company
Atlas Capital Infrastructure LLC
Platform
C-PACE & ABS post-close servicing