Structured collateral intelligencebefore you disburse.
Your credit team cannot manually verify every land parcel in your collateral portfolio. Litmus gives your institution a documented, auditable pre-qualification record for every land-secured lending decision — processed at institutional volume, delivered in 24–48 hours.
Where collateral risk accumulates
The gaps between what you disburse on and what is actually verifiable.
Lending on unverified collateral
Approving loans against land that has not been independently checked for court cases, encumbrances, or title integrity creates portfolio risk that compounds over time.
Manual processes are inconsistent
Internal verification workflows vary by branch, by officer, and by how much time is available. Litmus standardises the process across your entire operation.
No portfolio-level monitoring
Once a loan is disbursed, no systematic process watches the collateral. Court filings and gazette notices can affect your security position without anyone at your institution knowing.
What Litmus delivers for institutional lending
Every parcel processed through the same nine-check methodology. Every report documented, timestamped, and ready for your audit trail.
Bulk verification
Process multiple parcels through a single submission — for credit committee batches or portfolio reviews.
Audit trail
Every check documented with source references, analyst name, and timestamp — ready for regulatory examination.
Portfolio monitoring
Continuous monitoring across your entire collateral book. Alerts when any parcel surfaces in new court or gazette records.
24–48 hr turnaround
Institutional clients default to priority processing — reports arrive before your credit committee meets.
Risk assessment
Structured risk scoring from multiple official sources to inform your credit decision.
Secure processing
Enterprise-grade data handling, controlled access, and full audit logging.
What you receive
Every report delivers one of three structured findings — no guesswork, no vague language.
No adverse records found at the date of assessment. No active court cases, no gazette notices, no registered encumbrances within scope.
Signals found that require attention or resolution before the transaction proceeds. Each condition is documented with the source and the recommended next step.
Evidence is insufficient to produce a reliable assessment for this parcel. We tell you why — and we do not issue a finding we cannot support.
Every report includes the source, the date of assessment, and the name of the analyst who reviewed it.
How it works
From submission to report in four steps.
Request a demo
Walk through the platform and the verification methodology with our team.
Run a pilot batch
Test with a batch of parcels from your current loan pipeline.
Connect to your workflow
API integration into your loan management system or credit workflow.
Scale across your portfolio
Roll out to your full lending operation with volume pricing.
Frequently asked questions
Start with a no-cost pilot batch.
10–20 parcels from your current pipeline. Reviewed with your credit team before any commitment.
Pre-qualification intelligence — not legal advice. A qualified advocate should be consulted before any transaction.