Business lending has never been simpler or more profitable

Whether you’re a large incumbent bank looking to accelerate digitisation, or a lending newcomer wanting to launch products quickly, Trade Ledger delivers the world’s best lending experience — for your customers and your staff.

Trade ledger business lending digital platform dashboard

A single platform for invoice finance, asset finance, embedded finance and term loans

< 4 mins application journey
< 1 hour to credit decision
< 12 hours time to onboard
10x profitability growth
97% reduction in manual errors

What some of our customers have to say about Trade Ledger

“Virgin Money is focused on creating digital customer experiences that offer speed, simplicity and efficiency. Trade Ledger enables us to deliver significant improvements in the speed of application processing while continuing to effectively manage risk.”

Graeme Sands – Head of Business Lending and Products at Virgin Money

“ScotPac and Trade Ledger have created a fully digital experience that is simple for the end user. SMEs can quickly access multiple products (including our debtor finance, asset finance and trade finance), to solve their most bespoke or complex funding problems. The value of speed and consistency is massive for business owners, and for our broker and accountant partners.”

Jon Sutton – CEO, ScotPac

MULTI-PRODUCT

From invoice and receivables finance, to term loans and asset based lending.

MULTI-REGION

Localised configuration allows you to bespoke features by country or region.

MULTI-FEATURE

Our modular structure lets you choose from a wide range of features, such as workflow management and decision tools.

MULTI-CHANNEL

Embedded within mobile apps, web platforms, broker portals, back-office and relationship manager processes.

Cloud-native, API-driven, infrastructure agnostic and ISO 27001 certified

Unlike many business lending platforms, Trade Ledger has been built from the ground up specifically for banks.

Our in-house team of experts have first hand experience working within banking tech, product and business development teams.

Together we have designed a platform based on future-state architecture that delivers fundamental improvements in security, speed, customer experience and credit operations:

Embedded across back-office and digital channels
Rapid product deployment
Single overlay system
Rich, real-time data via open APIs
Straight through processing
Configurable at scale

DISCOVER MORE ABOUT THE PLATFORM »

Business Lending Platform Architecture

Of all the vendors we assessed for our Open Account Trade Finance Platform, Trade Ledger had by far the most advanced architecture we had seen.

Tier 1 Global Bank

Transform how you deliver asset finance, invoice finance, term loans and embedded finance.

Data-driven lending
Our powerful data model leverages open finance APIs to build a real-time view of the customer by combining traditional banking sources with new forms of open data from other banks and digital platforms like Xero & Quickbooks.
Reduced NPLs and credit risk
Our cutting-edge architecture and credit analytics platform strengthens credit approvals reducing NPLs and enhancing adherence to risk and compliance obligations.
Rapid product deployment with low-risk implementation
Our modular and highly configurable platform gives banks the flexibility to quickly deploy new products, with release management functionality to allow client-selected features to be turned on or off.

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Trade Ledger Embedded Finance Business Lending 2021

Trade Ledger has reimagined the lending process, opening up lending opportunities to a larger client base.

Tier 1 Global Bank

Tap into the US$5.2 trillion global SME lending opportunity

Small and medium-sized enterprises (SMEs) are the backbone of the global economy, providing the lion’s share of employment, and driving growth and productivity. However, there is a US$5.4 trillion global SME funding gap preventing them from realising their full potential.

As the economy digitises, lenders with the right technology have the opportunity to make better informed, quicker, and more profitable loan decisions – ultimately giving SMEs access to cash when they need it.

Trade Ledger was created to help unlock economic growth and social mobility through better business finance, in particular SME and mid-market lending.

Ask us how

On average our customers experience 50% lower cost and 50% more conversions

From the largest global trade banks to alternative finance providers, lenders across the globe have chosen to partner with Trade Ledger – and are reaping the rewards.

Just by improving the way information is handled, Trade Ledger can improve customer satisfaction, margins, market share and operational efficiency.

Improve customer satisfaction