Pooled Capital Reserves & Standby Collateral
Commercial fronting carriers demand association members post bank Letters of Credit with 100% cash collateral and 1.5%–3.0% annual bank commitment fees. CaptiveStack replaces trapped bank LOCs with pooled standby capital pledges and subordinated surplus notes yielding 6.5% interest.
Configured Capital Facilities • Eagle1 Hole-in-One Prize Indemnity Captive
D1 SQLite records for project standby credit, liquid working reserves, and surplus notes.
$1,125,000 / $1,500,000
$500,000 / $500,000
Capital Call Stress Test & Loss Waterfall Simulation
Simulate how the captive's layered capital structure absorbs claims spikes without insolvency.
Standard underwriting claims absorbed directly from member premiums with zero capital drawdown.
Liquid bank reserves funded at formation to absorb moderate variance without issuing capital calls.
Standby pledges called pro-rata across members. Members retain their cash unless a 1-in-25+ year loss spike occurs.
Stop-loss reinsurance attaches above the captive detachment point. Zero further member liability.
Representative Member Standby Allocation & Traditional LOC Savings
| Member Entity | Quota Share | Standby Obligation | Simulated Call | 5-Yr Bank Fee Saved |
|---|---|---|---|---|
| Pine Valley Golf & Events | 6.5% | $97,500 | $0 | $12,188 |
| Cypress Point Invitational | 5.5% | $82,500 | $0 | $10,313 |
| Augusta Tournament Services | 7.5% | $112,500 | $0 | $14,063 |
| Pebble Beach Prize Syndicate | 8.2% | $123,000 | $0 | $15,375 |
| Scottsdale Pro-Am Network | 4.8% | $72,000 | $0 | $9,000 |
| Kiawah Island Sports Assoc. | 5.8% | $87,000 | $0 | $10,875 |