End-to-end lending
orchestration

For lenders today, having an end-to-end, automated, fully configurable platform should be the norm.
As we have moved from industrial to knowledge-based economy, it’s time for financial institutions
to reimagine their secured and unsecured business finance products.

With Trade Ledger, we’re not just serving clients on digital channels or giving them immediate decisions, but adapting our product set to meet their evolving needs

Ben Cutler – Chief Customer & Marketing Officer, Scottish Pacific Business Finance

Products that generate value across the lending chain

Boost profitability with accelerated revenue growth through new business acquisition. Using Open Finance data, offer up a rich and intuitive customer self-service or relationship led UX, while plugging into third-party distribution channels to:

  • Make loan decisions in minutes
  • Precision customer targeting
  • Greater channel choices
  • Lower drop-out rates
  • Reduced risk
  • Lower costs-to-serve
  • Make loan decisions in minutes
  • Precision customer targeting
  • Greater channel choices
  • Lower drop-out rates
  • Reduced risk
  • Lower costs-to-serve

up to 70%

Reduction in
Origination costs

57%

Reduction in dropout
& rejection rates

4 min

Application
Process

Application &
Onboarding

Assessment &
Due Diligence

Pricing &
Quotation

Credit
Sanctioning

Fulilment &
Take-On

Retain customers, increase efficiencies and boost profitability to ultimately transform your return on investment (ROA). Facilitating Open Finance utilising multiple data sets, deliver content and offers in real-time. Our solution also automates funding, billing, disbursements and payments, standardising and re-engineering processes across the lending chain to:

  • Heighten customer engagement
  • Increase cross- / up-sell consistently
  • Lower time/cost-to-serve
  • Tailor to customer context
  • Increase client and staff satisfaction
  • Offer greater channel choices
  • Heighten customer engagement
  • Increase cross- / up-sell consistently
  • Lower time/cost-to-serve
  • Tailor to customer context
  • Increase client and staff satisfaction
  • Offer greater channel choices

97%

Reduction in
manual error

400%

Improvement in
up- & cross-sell rates

+99%

Customer
renewal rates

Account &
Relationship
Management

Audit &
Financial
Monitoring

Drawdown &
Transaction
Management

Arrears &
Default
Management

Reporting &
MI

Solutions that support all
business finance products

Finally, convenience and simplicity at scale can be realised. Our turnkey configurations enable your organisation to deliver the right products, at the right time, over the right channel quickly, at low risk.

Transform your user experience through
omni-channel front, middle and
back-office channels

Our platform is comprised of three portals.

Platform Features

Our multi-tenanted platform goes beyond Open Banking. Its interoperable Open Banking infrastructure layer, uses dedicated cross-function components and insights to proactively match our clients customers with the right services. Additionally, it facilitates the exchange of value across our broad ecosystem of stakeholders to ensure our clients realise optimum profitability.

  • Workflow & Task
  • Management Engine
  • Comments & Communication
  • Document Creation & Management (Letter of Offer)
  • Digital eSignature
  • Notification & Messaging
  • Asset Management
  • Application & Queue Management
  • Securities & Guarantees
  • Single Customer View (SCV)
  • Serviceability Calculator
  • Credit Limit Management & Approvals
  • Credit Bureau Integration
  • Financial Reporting (Balance Sheet & P&L)
  • Contract Management
  • Accounting Integrations & Data Upload Wizard
  • Risk Assessment (Credit, Fraud, Dilution etc.)
  • Portfolio Reporting & MI
  • Configuration Studio

  • Workflow & Task
  • Management Engine
  • Comments & Communication
  • Document Creation & Management (Letter of Offer)
  • Digital eSignature
  • Notification & Messaging
  • Asset Management
  • Application & Queue Management
  • Securities & Guarantees
  • Single Customer View (SCV)
  • Serviceability Calculator
  • Credit Limit Management & Approvals
  • Credit Bureau Integration
  • Financial Reporting (Balance Sheet & P&L)
  • Contract Management
  • Accounting Integrations & Data Upload Wizard
  • Risk Assessment (Credit, Fraud, Dilution etc.)
  • Portfolio Reporting & MI
  • Configuration Studio

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