We’ve expanded our all-in-one settlement to Monday, Wednesday, and Friday — cutting dwell time, ops load, and the hidden costs of waiting.
If you’ve been selling loans on MAXEX, you already know the core premise: instead of managing a separate settlement session for every investor in your network, MAXEX streamlines all of them into one event. Every buyer at once. One process. No scattered touchpoints.
Today, we’re making that process even more powerful. MAXEX’s multi-buyer settlement now runs three times a week — every Monday, Wednesday, and Friday.
That’s not a small upgrade. Here’s why it matters.
The problem with how whole loan settlement works today
In the traditional model, every investor relationship comes with its own settlement workflow. If you’re working with eight buyers, you’re running eight independent settlement sessions every day. By Friday, that’s 30 or more discrete events your team has had to manage — each with its own documentation, timing, and coordination overhead.
The operational cost adds up fast. For an originator managing five investor relationships, that’s roughly 45 hours a week in settlement ops and close to $70,000 a year in staff time. More importantly, it means loans sit on your warehouse line far longer than they need to. Miss a settlement window and a batch of loans can dwell for up to 12 days. At 1.4 basis points per day, that’s a cost that compounds quietly and continuously.
One event. Every buyer. Now three times a week.
MAXEX was built to fix this. Instead of managing each buyer separately, we consolidate every active buyer into a single coordinated settlement event. Your team runs one process, and every buyer settles simultaneously.
We launched this model running twice a week. Starting now, settlement runs Monday, Wednesday, and Friday.
The impact is immediate and measurable:
- +50% more execution opportunities. An additional settlement day per week means 50% more windows to move loans off the line — and more chances to respond quickly when pipeline volume spikes or market conditions shift.
- Maximum warehouse dwell drops from 12 days to 3. In a traditional model, missing a settlement window means waiting — sometimes up to 12 days for the next opportunity. With MAXEX running three times a week, the longest a loan sits is three days. That’s 75% less dwell exposure per cycle, and roughly $3,780 in dwell cost recovered on every four-loan batch at standard assumptions.
- 30+ weekly events become 3. Your ops team goes from managing 30 or more scattered settlement touchpoints a week to three predictable, batched events. That’s 91% less settlement ops load, more than 2,100 analyst hours reclaimed annually, and roughly $64,000 in annual savings — every year.
The capital efficiency story
Faster settlement is also a warehouse line story.
When loans clear the line every three days instead of every twelve, the same warehouse capacity does dramatically more work. A $45M warehouse line cycling at MAXEX’s cadence generates approximately $5.47B in annual origination capacity — compared to $1.37B in the traditional model. That’s $4.11B in additional capacity unlocked from the same capital, with 4× more line turns per year and more than 5,400 additional loans originated annually.
No new capital. No new infrastructure. Just faster cycles.
Predictable. Efficient. Built for volume.
What makes the three-times-a-week cadence particularly valuable isn’t just the extra settlement day — it’s the predictability. Monday, Wednesday, Friday is a rhythm your operations team can plan around. Pipeline review on Tuesday and Thursday becomes natural. Loan delivery timing becomes easier to optimize. The whole process gets cleaner.
That’s been the goal of MAXEX’s settlement model from the start: take the most operationally intensive part of whole loan execution and make it something your team barely has to think about.
Three times a week moves us meaningfully closer to that.
| Metric | Traditional | MAXEX 3×/wk |
| Settlement events/week | 30+ | 3 |
| Buyers per event | 1 each | All 8 at once |
| Settlement touchpoints | 6–8/day | 8× fewer |
| Weekly execution windows | 2 | 3 (+50%) |
| Ops hours/week | ~45 | ~4 |
| Annual ops cost | ~$70K | ~$6K |
| Max warehouse dwell | ~12 days | ~3 days |
| Annual origination capacity | ~$1.37B | ~$5.47B |
| Line turns/year | 30.4× | 121.7× |
Ready to see the numbers for your pipeline? Connect with your MAXEX relationship manager to walk through how the expanded settlement cadence maps to your specific loan volume and warehouse capacity.
