Name: Trade Ledger
Author: Trade Ledger

Digital Adoption

Help Desk

Web and Video Conferencing

Customer Support

Software Configuration Management

WebOps

Development

Higher Education

Education

Business Intelligence (BI)

Collaboration

File Sharing

Streaming Analytics

Visual Collaboration

VoIP

Enterprise

Accounting

Payment Orchestration

Finance and Accounting

Applicant Tracking

Corporate Learning Management

Employee Engagement

HR Management

Payroll

Recruitment Agency

Talent Intelligence

Talent Management

Workforce Analytics

Workforce Management

Human Resources

Bug Bounty

C/C++ Integrated Development Environments

Cloud Storage

Data Recovery Service

Database Management

Enterprise Architecture Management

Fraud Detection

Hadoop-Related

High Availability Cluster

Identity Governance and Administration

Integration Platform as a Service (iPaaS)

IoT Security

MLOps

Network Performance Monitoring

Network Virtualization

Non-Relational Databases

Process Mining

Session Border Controllers

Threat Hunting

Web Access Management

Web Portal

Information Technology

A/B Testing

Ad Serving & Retargeting

All-in-One Marketing

Consumer Ratings & Reviews

Content Management

Customer Reference Management

Demand Generation

Email Marketing

Email Testing

Local Listing Management

Marketing Automation

Personalization Engines

Retail Media Advertising

SMS Marketing

Social Media Management

Survey & Forms Building

Video

Web Analytics

Marketing

Project Management

Prototyping

Professional Services

Conversation Intelligence

Customer Relationship Management (CRM)

Multichannel Retail

Sales

Insurance Underwriting and Rating

Library Management

Medical Billing

Military and Defense

Moving Software

OSS/BSS (Operations Support/Business Support)

Vertical-Specific

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Trade Ledger is a lendtech platform designed to streamline and manage end-to-end credit journeys for businesses. It caters to companies of all sizes, from small and medium enterprises (SMEs) to large corporations. According to the vendor, banks, financial institutions, lenders, credit providers, supply chain and logistics companies, manufacturing and distribution companies, as well as professional services firms, can all benefit from Trade Ledger's solutions.

## Key Features

**Customer Onboarding**: According to the vendor, Trade Ledger streamlines the client application process for banks, aiming to provide a seamless and efficient experience for new borrowers. It enables banks to capture and verify customer information, perform due diligence checks, and automate onboarding workflows. Additionally, it provides a user-friendly interface for borrowers to submit their applications and track the progress of their onboarding process, while aiming to ensure compliance with regulatory requirements.

**Credit Origination**: According to the vendor, Trade Ledger aims to empower banks to efficiently manage the end-to-end credit origination process, from application to approval. It aims to automate credit decisioning based on predefined rules and risk assessment models. The platform also allows banks to capture and analyze borrower data, including financial statements, credit history, and collateral information, aiming to facilitate collaboration between different teams involved in the credit origination process.

**Risk Assessment**: According to the vendor, Trade Ledger aims to provide robust tools for banks to accurately evaluate credit risk and monitor portfolio performance. Utilizing advanced analytics and machine learning algorithms, it aims to assess the creditworthiness of borrowers. Banks can track and analyze key risk indicators, such as default rates, delinquency rates, and credit utilization, aiming to ensure compliance with regulatory requirements through comprehensive risk assessment reports.

**Credit Management**: Trade Ledger aims to optimize credit management processes for banks, including credit limit management, drawdowns, and repayments. It aims to enable banks to monitor and track borrower activities, such as payment behavior and credit utilization. The platform aims to automate credit monitoring and alert banks of potential credit risks or breaches. In case of borrower default or financial distress, Trade Ledger provides tools for credit restructuring and workout management.

**Collateral Management**: Trade Ledger aims to empower banks to effectively track, manage, and optimize the value of their collateral, specifically focusing on accounts receivable. It automates the tracking and verification of collateral documentation, such as invoices and purchase orders. The platform provides real-time visibility into the status and value of collateral assets, aiming to enable banks to calculate and manage collateral coverage ratios and make informed lending decisions based on collateral value.

**Portfolio Management**: According to the vendor, Trade Ledger equips banks with comprehensive tools and analytics to effectively monitor, analyze, and optimize their credit portfolios. It enables banks to track portfolio performance metrics, such as portfolio yield, default rates, and profitability. The platform facilitates portfolio stress testing and scenario analysis to assess the impact of economic downturns or other risk factors. It also aims to help banks identify opportunities for portfolio diversification and optimize risk-adjusted returns.

**Platform Intelligence Network (PIN)**: According to the vendor, Trade Ledger ingests and intelligently interprets multiple sources of data from across a business's supply chain. It enables lenders to match customers with the right credit products based on real-time data insights. The platform provides actionable insights and tasks derived from supply chain data. It offers workflow and task management, document generation, notifications and alerts, collaboration tools, reporting and analytics, as well as developer tools.

**Powerful and Easy-to-Use APIs**: According to the vendor, Trade Ledger offers a comprehensive suite of open APIs designed to support buy, build, or hybrid strategies for seamless integration. It allows businesses to access Trade Ledger's functionality without the need to stitch together disparate systems. Lenders can build custom applications and interfaces using Trade Ledger's APIs. The platform provides API documentation and developer tools to facilitate integration and customization.


The Trade Ledger lending-as-a-service platform brings together data for business lenders to support the customer lifecycle, analyze data, and automate key processes. From origination to decision and structuring, the solution helps to simplify complex loan products. The configurable product designs include tools to embed, launch and scale new loan products fast. Including but not limited to Asset-Based Lending, Invoice Finance and Receivables Finance.

The platform is designed for rapid and flexible deployment of integrated working-capital loan journeys. It is presented as API-first, cloud-native, configurable and totally SaaS. It’s composable too - which means it can be connected to a number of independent systems.

Kabbage from American Express offers a data and technology platform to provide small businesses automated cash flow solutions, including business checking accounts, online payments, business insights and flexible lines of credit up to $250,000. Kabbage uses real-time data and automation to provide an integrated suite of financial tools empowering small businesses to spend less time on their books and more time on building thriving businesses.

Kabbage by American Express

Plaid in San Francisco offers a suite of applications supporting banks with risk management and customer account management features. Plaid is used by digital financial apps and services like Betterment, Expensify, Microsoft and Venmo, and by banks to make it easier for consumers to connect their financial accounts with the apps and services they want to use. Plaid connects with over 11,000 financial institutions across the U.S, Canada and Europe.

Test

Launch

Scale

Plaid

Trade Ledger

Loan Servicing Software automates the loan lifecycle from origination, credit decisioning, payment processing and collections, to accounting and reporting.

Loan Servicing

Loan Workflow

Tools used by loan origination and servicing and servicing agents to streamline their workflows.

Loan Document Management

This feature allows users to store, manage, and track all loan-related documents, ensuring compliance and efficient processing.

Loan Workflow Automation

This feature helps to automate various stages of the loan process, improving efficiency and reducing manual errors.

Loan Software Integrations

This feature allows lenders to access credit reports and scores from major credit bureaus, aiding in the credit assessment process, and integrate with CRM tools and third-party databases to manage borrower relationships.

Loan Reporting and Analytics

Allows users to generate various reports and analyze data related to loan origination and servicing, helping to make informed decisions.

Financial Reporting and Compliance

Financial statements and regulatory filings

Management Reporting

Tools facilitating creation of internal ad hoc or standard reports.

XBRL support for regulatory filing

Support for the XBRL standard reporting format for exchanging financial data.

Excel-based Reporting

Ad hoc or formatted reports using MS Excel.

Data Security

Tools and features that help keep data secure from unauthorized access or internal exposure.

At-Rest Data Encryption

Data at rest is encrypted, requiring decryption to read the underlying data.

In-Transit Data Encryption

Data is transmitted in an encrypted state, preventing interception of raw in-flight data.

In-Use Data Encryption

Data remains encrypted even when stored in non-persistent storage (RAM, CPU caches, and CPU registers). This prevents access to data through malware on an individual device.

Data Redaction

The product's capability to return redacted data in place of actual data when queried. For instance, a redacted query for the phone number 555-5555 could return ***-**55.

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Trade Ledger

Overview

What is Trade Ledger?