Anchor Point Advisory, LLC

Operational continuity without altering credit risk

Payment Assurance Structure (PAS) is a standardized, non-discretionary servicing control framework governing how restricted reserves are applied to satisfy scheduled payments when cash-flow timing varies.

Request a PAS Readiness Assessment

Developed and implemented by Anchor Point Advisory, LLC

How PAS Works

Restricted reserves are sponsor- or borrower-funded.
Funds are held in bank-controlled accounts.
Draws follow predefined, non-discretionary servicing rules.
Servicing systems record scheduled payments as satisfied.

PAS governs execution — not credit decisions.

What PAS Does Not Change

Underwriting standards
Credit approval or covenants
Default definitions or loss recognition
Capital treatment or guarantees

Designed for Bank Leadership

Credit & Lending -
Underwriting and credit approval standards remain unchanged.Operations & Servicing -
Deterministic payment application rules with documented controls.Risk & Compliance -
Clear governance boundaries, audit trails, and examiner transparency.Finance & Treasury -
Restricted reserves remain operational deposits, not credit substitutes.

Implementation Approach

Readiness Assessment
Governance & Control Design
Optional Pilot Implementation

Typical engagements range from 2–12 weeks.

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Request a PAS Readiness Assessment