Focus on what you can control
Rising delinquencies, tighter funding, and nervous boards are the new normal. Praetorian helps independent equipment finance companies and small business lenders see where risk is building before it becomes loss—through portfolio vulnerability assessments, problem-loan playbooks, and ongoing risk guardrails that leadership can act on quickly.
If you’re feeling pressure in the book and want a clearer, more controllable path forward, let’s talk.
Schedule a consultation to protect your portfolio and sharpen your lending and collections strategy.
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Credit Risk Management
Praetorian is your specialist partner across the real loan life cycle – not just from origination to closure, but from early stress to problem loan and recovery – at a time when rising delinquencies and charge-offs are reshaping what “good” looks like in lending.
We help independent equipment finance companies and small business lenders spot and act on risk early: identifying vulnerable segments and vintages, tightening structures where it matters, and bringing discipline to how underperforming accounts are managed so they don’t quietly turn into losses.
With Praetorian, you get a practical, executive-ready approach to credit and collections: clearer visibility into your portfolio, sharper playbooks for high-risk accounts, and ongoing guardrails that protect ROA and support sustainable growth—even in a volatile environment.
Our Services
Praetorian exists for one reason: to help lenders see risk clearly and act on it early—before delinquencies, problem loans, and surprises show up in charge-offs, board decks, or regulator conversations.
We work with independent equipment finance companies and small business lenders who:
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Are serious about protecting ROA and portfolio quality,
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Run lean leadership teams, and
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Don’t have the time or appetite to build a full in-house risk office.
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Our approach is practical and operator-driven: no 80-page theory decks, no generic playbooks. We focus on the decisions you and your team need to make in the next 90–365 days—where risk is building, what to watch, what to tighten, and where to focus collections.
To make that simple, Praetorian’s work is organized into three core offerings:
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Essentials Portfolio Vulnerability Assessment – a fast, focused look at your top risk areas.
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Comprehensive Portfolio Vulnerability Assessment – a deeper, board-ready view across your full book.
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Praetorian Guardrails (Quarterly) – ongoing, external risk eyes on your portfolio without adding headcount.
Each can stand alone, but they’re designed to build on each other: a clear diagnostic first, then steady guardrails as conditions and your portfolio evolve.
Advisory Services Covered
Alongside our Portfolio Vulnerability Assessments and Praetorian Guardrails (Quarterly), we also offer Executive Advisory support—a fractional, seasoned risk and collections leader in your corner to help you:
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Prepare for board and investor conversations
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Think through restructures, policy shifts, and high-stakes credits
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Translate data and portfolio behavior into clear strategic decisions
With Praetorian, you get a practical, executive-ready approach to credit and collections: clearer visibility into your portfolio, sharper playbooks for high-risk accounts, and ongoing, senior-level guidance that protects ROA and supports sustainable growth—even in a volatile environment.
Gerry Weston
Principal
Gerry Weston is a senior operator, not a theorist. For more than 30 years he’s led credit, lending, and collections functions across independent equipment finance platforms, and a fintech lender—helping CEOs and boards reduce losses, steady portfolios, and turn collections into a true profit-protection function.
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He’s built and directed credit and collections teams at a range of institutions and balance-sheet sizes, giving him a practical view of what works in the real world: from tightening underwriting and structures, to building Problem Loan Playbooks, to reshaping early-stage collections so risk is caught upstream instead of written off downstream.
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Gerry holds a B.S. in Economics from Central Washington University, is a Certified Lease & Finance Professional (CLFP), and has completed Project Management certification through UC Irvine. Those credentials reflect what his clients experience: someone who is technically strong, current on industry practice, and comfortable in the boardroom.
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At Praetorian, Gerry’s work is intentionally hands-on and relationship-driven. He acts as a fractional risk and collections leader for independent lessors and small lenders—bringing senior-level judgment, a deep industry network, and scalable processes that fit the size and culture of each client. His goal is simple: help leadership see risk clearly, act early, and protect the portfolio they’ve worked so hard to build.
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