The modern way to manufacture credit from data

Architected by enterprise data and technology experts. Informed by domain expertise from bankers at trade banks like HSBC and Barclays.
The four components of Trade Ledger – Unified Data Model, Credit Suite, Configurable Workflows and APIs – provide the infrastructure you need to modernise your lending operations.

Trade Ledger Credit Management Platform

01

Unified Data Model

Feature one

Work from a single, real-time data source

Connecting your products and processes to a single source of digital data is the key to eliminating duplicative, manual data entry across origination, deal creation and loan servicing.

Our unified data model uses APIs to collect data from internal and external sources. It standardises and curates the data, using a data model purpose-built to handle the complex relationships between companies, people and assets.

API connections between data and products persist throughout the credit lifecycle, with updates pushed to in-life management teams via workflow automation to ensure ongoing compliance with covenants.

02

Credit Suite

Feature two

Build and manage credit products at scale

Break free from legacy systems and create products with new flexibility. Transition seamlessly from the ‘done deal’ to in-life management without rework.

The credit suite is your central location for originating and maintaining all credit products and facilities. Jumpstart new product development with templates containing pre-defined attributes and risk parameters. Tailor to your purpose and automatically generate all documentation.

Proactively monitor products in life with automated data updates. Create loan variations to reduce risk from changes in collateral, customer, and market conditions–without reworking the entire loan process.

03

Configurable Workflows

Feature three

Quit juggling chainsaws

Making and managing credit is a team sport. But managing all the tasks, workflows, and dependencies is a complex juggling act fraught with risk–especially when managing products in life.

Configurable workflows automatically advance processes based on trigger events such as completions and approvals. 

Orchestrate all the activities at every stage of the credit lifecycle, whether they happen solely in Trade Ledger or include other internal or external systems. Run complex processes concurrently, eliminating lags associated with sequential processing.

04

API Library

Feature three

Connect data, systems and people

Escape from the constraints of legacy systems into a new landscape rich with resources and possibilities.

APIs replace rigid, file-based integrations with secure, flexible, adaptable connections that flow data effortlessly between systems.

Imagine automatically populating forms with data from other systems, syncing data across systems without manual work, and being able to connect to any interface–broker, borrower accounting system or third-party marketplace. 

That’s just the beginning of what you can do in a connected ecosystem.