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.
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.
Consent Management System
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
End-to-End Lending Automation
Credit & Fraud Risk Analytics Redefined
Personalised & Beautiful User Experiences
Open Banking for Commercial Lending
Drive innovation cycle down to a matter of weeks
Drive new revenue streams through APIs
Explore new business models through partnerships
Create new distribution channels
Why Trade Ledger...
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
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.
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.
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.