The Lending Platform

Our Lending Platform for better business lending supports invoice funding, supply chain financing and debtor financing. Trade Ledger provides you with a complete digital business lending operation (Lending-as-a-Service) delivered as a technology platform to bank and non-bank credit providers.

Our unique understanding of electronic invoicing, and other business transaction technology has enabled the creation of a supply chain transactional network that is at the core of the Trade Ledger platform.

Platform Overview Image

Customer Engagement Layer (white-labelled)

  • Invoice Lending
  • Receivables Finance
  • Supply chain finance

Components

A full suite of capabilities and features designed to be configured to support end-to-end digital corporate lending processes.

Platform (as a service)

Modern API platform providing you with the foundations to adopt new innovations and fast-track operational efficiencies.

Infrastructure (as a service)

Fully cloud based infrastructure supporting fast and efficient scaling of local or global business operations

Cross-Tier Extensible Security

Secure by design from the foundations through to the user interface.

Customer Engagement Layer (white-labelled)

  • Invoice Lending
  • Receivables Finance
  • Supply chain finance

Components

A full suite of capabilities and features designed to be configured to support end-to-end digital corporate lending processes.

Platform (as a service)

Modern API platform providing you with the foundations to adopt new innovations and fast-track operational efficiencies.

Infrastructure (as a service)

Fully cloud based infrastructure supporting fast and efficient scaling of local or global business operations

Cross-Tier Extensible Security

Secure by design from the foundations through to the user interface.

Lending Components

Customer Application & Onboarding

Beautifully designed white label customer experiences for digital onboarding and credit applications including account set-up, account authentication and indicative credit offers.

Settlement

Ensure the swift delivery of your product to your customers using our fully integrated digital settlement component.

Payments & Loan Servicing

Integrate with your chosen payment provider via our API integration layer and provide a full range of modern payment facilities to help you get paid on time.

Invoice Management

Allow both your customers and underwriting teams to view and manage their entire ledger of invoices in one simple dashboard.

Credit & Fraud Risk Analysis

Utilise our advanced analytical tools to extract the maximum amount of value from your customers data. Quickly turn data into actionable insights through machine learning and artificial intelligence.

CMS

Empower your customers to be in control of their own data and provide them with carefully designed consent dashboards to help them manage where their data is shared and for what purpose.

Reports

See all your data in one place like never before with real-time insights into application, customer and portfolio level dahsboards. View, Create, Download and Share a full range of bespoke reports for regulatory, management or operational review

Features

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End-to-End Lending Automation

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Credit & Fraud Risk Analytics Redefined

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Personalised & Beautiful User Experiences

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Open Banking for Commercial Lending

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Drive innovation cycle down to a matter of weeks

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Drive new revenue streams through APIs

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Explore new business models through partnerships

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Create new distribution channels

Why Trade Ledger...

Lenders Icon

For Lenders

A fully integrated set of lending processes are supported for:

  • Seamless customer experience
  • Flexible product design
  • Higher customer conversion rates
  • Reduced default and fraud risk
  • Higher lending yield with minimum operational cost
Businesses Icon

For Businesses

A variety of business cash flow needs are met via:

  • Total/single solution
  • Engaging and digital user experience
  • No/minimum paperwork
  • Speedy settlement
  • No intermediaries

The Innovation Platform

At Trade Ledger, we believe that transforming your Lending operation through our Lending Platform is first and foremost the single biggest area of opportunity for banks and financial services organisations to benefit from Open Banking in the near future. By leveraging open APIs alongside new enabling technologies, you can drive significant operational efficiencies within your internal operation and dramatically increase your speed to market.

But why stop there?

The Trade Ledger Platform provides you with a divergent innovation layer within your corporate business; helping you to comply with regulatory requirements; embrace the wider monetisation of open data; adopt new business models; and generate new revenue streams.

What do you want to do?

Lend

Grow your customer base with better digital experiences in customer onboarding, loan origination and loan management. Turn your Lending Platform APIs into your biggest competitive advantage to drive new customer acquisition by integrating them into broker, price comparison & online marketplaces.

Comply

Comply with new Open Banking & PSD2 regulations with our pre-configured APIs, consent, authentication & Authorisation flows. Create your PSD2 and Open Banking regulatory APIs and develop a bespoke PSD2 Sandbox relating to payment initiation (PIS) and account information (AIS).

Innovate

Innovate through new developer channels and create extensive third partner fintech eco-systems. Create new APIs deployed by you in your very own white label Developer Portal. Explore new business models by monetising data and explore our pre-configured API partner eco-system to collaborate with other banks, financial services organisations and FinTechs.