TBASCO endorses Capstone Banktech
Offering member banks a turnkey accounts receivable lending solution
The Texas Bankers Association Services Company, Inc., (TBASCO) has announced its endorsement of Capstone Banktech, a leading provider of accounts receivable lending technology and support services for community banks and lending institutions.
The endorsement gives TBA members access to CapitalExpress, Capstone Banktech’s proprietary, end-to-end AR lending management platform, enabling community banks to launch and manage a profitable accounts receivable lending program without the operational complexity typically associated with commercial lending of this type.
“We are pleased to endorse Capstone Banktech and bring this innovative solution to our member banks,” said TBASCO President Ben Buehler. “CapitalExpress gives community banks a proven turnkey path to a new revenue stream that complements their existing portfolios and strengthens their relationships with commercial clients. The depth of support Capstone Banktech provides, from technology to day-to-day operational guidance, makes this a compelling opportunity for our member banks of any size.”
Since 2014, CapitalExpress has processed more than $2.6 billion in invoices across more than 1.7 million individual transactions. The platform delivers real-time, 24/7 access to borrower data through a secure online portal, while a dedicated U.S.-based support team monitors daily activity and flags anomalies as they arise. Member banks benefit from a program that has demonstrated twice the profitability of a traditional commercial line of credit, without taking on the burden of building the infrastructure internally.
Capstone Banktech’s full-service model includes sales, marketing and business development support to help member banks grow their AR lending portfolios, along with integration with customer accounting software to identify irregularities and personalized monthly reporting with trend analysis and narrative commentary.
TBA member banks working with CapitalExpress gain a profitable lending program that diversifies their commercial real estate concentration, generates fee income and builds core deposits, all backed by a team with decades of experience in the AR lending sector.
Capstone Banktech services available to TBA member banks include:
- Turnkey AR lending program setup and ongoing administration.
- Proprietary CapitalExpress online software platform with real-time borrower data access.
- Full-time monitoring and anomaly detection by Capstone Banktech’s support team.
- Real-time integration with borrower accounting systems.
- Sales, marketing and business development support.
- Personalized monthly performance reporting with trend analysis.
- Training and operational support for bank lending staff.
Scott Bowyer, EVP, chief lending officer, Commercial Bank of Texas, N.A., stated, “Not all partners are created equal. The level of service that we receive from the team at Capstone Banktech is superior to most of our experiences. From the frontline business development side to the support staff, to their leadership team, they all take tremendous care of us.
“The CapitalExpress program has provided us with an opportunity to enhance monitoring of our lines of credit, while also creating a better revenue stream associated with those loans. It is rare that you can improve the quality AND profitability of a product at the same time. The CapitalExpress program can provide that.”
Chris Comer, Lubbock market president and chief lending officer, West Texas State Bank, added, “The entire team at Capstone Banktech have far surpassed any peripheral bank product or offering that we have experienced in my 30-year banking career.”