The use of real assets as credit collateral is an age-old financing technique. When it works, it is an essential component of a well-functioning financial system, contributing significantly to development, growth and stability. When it fails, the consequences are felt not only by lenders but by society at large. Invector's mission is to serve this important financial services segment through a systematic application of novel and efficient valuation techniques to enhance transparency and improve management processes for the benefit of both borrowers and lenders.