LendingX
Become a founding partner
Founding partner programme · one lender, first-mover terms

The end-to-end lending platform you own.

A modern, end-to-end lending platform — origination to in-life servicing — delivered with the source code, to run inside your own estate. We’re inviting one founding lender to build the final mile with us: shape the roadmap, take founder pricing on the source, and get a 3-month exclusivity window in {{SEGMENT}}. And you don’t have to take our word for it — the platform is live, and you can click through it today.

Become a founding partner Explore the live system
You own the source Originate → book → service Bank-grade audit
GLEIF LEICompanies HouseESEF xBRL financialsESMA ratingsBasel IRBIFRS 9LMASyndicated lendingRFR compoundingSONIA · SOFR · €STRMaker-checkerHash-chained auditEvent-drivenPostgreSQL GLEIF LEICompanies HouseESEF xBRL financialsESMA ratingsBasel IRBIFRS 9LMASyndicated lendingRFR compoundingSONIA · SOFR · €STRMaker-checkerHash-chained auditEvent-drivenPostgreSQL
The founding partner programme

Build the final mile with us — and own what you help shape.

We’re an early-stage team with a working platform and a modern codebase. We’re looking for one founding lender to pilot it, pressure-test it on real deals, and take delivery of the source at founder pricing. Get in first, set the direction, own the outcome.

3-month exclusivity

For the first three months we build with you and no other lender in {{SEGMENT}}. Your priorities, uncontested.

Founder pricing

{{FOUNDER_DISCOUNT}} on the perpetual source licence — first-mover terms, locked, that never reset as we grow.

Shape the roadmap

A direct line to the people writing the code. Your workflows and must-haves go to the front of the queue.

Own the source, in your estate

Full source delivery into your own cloud or data centre. Your data never leaves your walls.

De-risked by ownership

You’re backing an early team, so we remove the downside: you take delivery of the code. If we’re just getting started, ownership is your insurance — you are never dependent on us surviving.

Polished today, live today

Explore the product in a beautifully designed walkthrough, then click straight into the real, running system — before you commit a penny.

In return: early commitment, access to your credit and operations experts, and one real pilot deal. That’s it.
Talk to the founders
The biggest difference

Not SaaS. You own the code.

Rent-forever SaaS keeps the keys. LendingX hands them over: you take delivery of the full source, run it inside your own estate, and change anything you need. Yours to own and amend — not to redistribute. The SaaS model, turned on its head.

Own it

Take delivery of the complete source, deployed in your own cloud or data centre. Your data never leaves your estate.

Amend it

Change anything — workflows, rules, screens, integrations — to fit your bank. No vendor gatekeeping, no waiting on a roadmap.

Don’t redistribute

A source-available licence: yours to run and modify across your group — not to resell or hand to third parties.

See it — then run it

A platform that looks the part — and actually runs.

Start with the guided walkthrough, then click straight into the live application — the same data, the same audit trail, end to end.

LendingX · Origination click the dots to switch screens
LendingX Origination screen — the deal workspace, sections, facilities, deal economics and the milestone timeline.
Building next — with our founding partner.
The Credit workspace is on the roadmap.
Building next — with our founding partner.
The Syndication workspace is on the roadmap.
LendingX · Booking
LendingX Booking screen — the live facility dealtree for the Acme Corp USD 500M credit agreement, showing the facility structure, drawings, positions and pricing.

Opens the real application in a new tab.

0
founding partner slot
open now
0
months exclusivity
in {{SEGMENT}}
0
lifecycle stages
one platform, one audit trail
0%
of the source
delivered to you
The status quo

Corporate credit is still stuck in the inbox.

Across the market, a single deal is orchestrated by hand — over email, phone and chat — through a dozen teams and dozens of templates. Talented people spend their days chasing data instead of making decisions and engaging customers.

What a deal looks like today

  • Weeks of elapsed time and idle handoffs to reach a decision.
  • Hundreds of emails per deal — the process lives in inboxes, not a system.
  • The same data re-keyed across five disconnected systems.
  • Dozens of memo templates in Excel, reliant on tribal knowledge.
  • Quality tied to individuals, not consistent, explainable tooling.
The LendingX difference

One platform that decides at the speed of the market.

AI does the data. Your experts make the call. Everything is governed, audited and explainable — by design.

Agentic credit suite

Knowledge, Policy, Financial and Credit-Memo agents fan out across your data — spreading financials, testing policy, screening sanctions and drafting a cited memo. Underwriters review by exception, not from scratch.

One source of truth

GLEIF LEI hierarchy, Companies House, ESEF financials, securities, ratings and screening — unified and source-attributed on a single Data tab. No more re-keying between your origination tools, credit systems and a separate loan servicing core.

Bank-grade governance

Maker-checker, two-signature committee decisions, segregation-of-duties and fail-closed sanctions — on a tamper-evident, hash-chained audit trail. Agents propose; humans decide. The regulated core stays LLM-free.

Deterministic workflow engine

An engine-neutral, diff-reviewable workflow spine over PostgreSQL — no proprietary broker, no lock-in. Swap engines per process (file-engine, FluxNova, Temporal) and keep every decision explainable and replayable.

End-to-end — originate to service

Origination → credit → syndication → booking → in-life servicing (drawings, rollovers, daily accruals, RFR rates, amendments) — plus asset finance and loan trading. One modular platform; no point solutions to stitch together.

Capital & IFRS 9 native

Basel IRB RWA / RoRWA, expected loss and IFRS 9 staging computed inline — so pricing and provisioning reflect the decision, not a spreadsheet bolted on after the fact.

End-to-end

One platform. The whole loan lifecycle.

Most lenders run origination in one tool, credit in another, and booking & servicing in a separate loan core — stitched together with email and re-keying. LendingX is a single, event-driven platform from first enquiry to final repayment.

Stage 1

Originate

Guided deal capture, structuring & term sheets — no inbox.

Stage 2

Assess credit

AI agents analyse; the committee decides with two-signature.

Stage 3

Syndicate

Underwrite, allocate & distribute positions to lenders.

Stage 4

Book

Agreement → facility → product → drawing, from approved terms.

Stage 5

Service · in-life

Drawings, rollovers, daily accruals, RFR rates, amendments.

Replace three disconnected systems with one — a single data model, one workflow and one audit trail, from origination to final repayment.
Architecture

One platform you own — with the AI kept at arm’s length.

LendingX is a single modular platform that runs the whole loan lifecycle inside your own estate, on PostgreSQL. A deterministic workflow engine orchestrates every stage under maker-checker control and a tamper-evident audit trail — and the regulated core stays LLM-free. AI lives in a separate Agent Platform: the workflow invokes it for credit analysis, it reads through a governed data interface, proposes its findings, and settles them back — never holding the decision. Both draw on a shared Market Data Platform — a LEI-keyed source of truth the platform reads from and the Agent Platform keeps topped up (enhancement-only, provenanced). Your data never leaves your walls.

LendingX platformruns in your estate · you own the source
Originate→ Credit→ Syndicate→ Book→ Service
Workflow engine · SLA · maker-checker · tamper-evident audit · LLM-free
invoke→
ground · read
MCP
←settle · analysis
Agent Platform AI credit analysis · separate deployable
knowledgepolicyfinancialmemo
propose-not-decide · humans hold the gates
calls external LLMs · Claude · Gemini · OpenAI
▲ reads · uses updates · enriches ▼
Market Data Platformshared source of truth · LEI-keyed · its own service
GLEIF LEI · group tree · Companies House · financials · ratings · coverage
LendingX modulithSpring Modulith · runs in your estate
Bounded contexts · origination · credit · instrument (booking) · balance · marketdata
Workflow engine (file · FluxNova · Temporal) · authz PEP · maker-checker · two-signature
MCP server /mcp · REST /api/v1 · PostgreSQL — one schema per context
↓ REST · POST /journeys (invoke) · settle callback ↑ MCP · lei_search · credit_report · structure_deal
Agent Platformembabel · Spring Boot · separate deployable
GOAP agents · credit-report · financial · policy · memo · market-data
Spring AI · propose-not-decide · pgvector + hash-chained audit
↓ MCP read · POST /observations (enhancement-write) ↓ LLM API — the only egress
Market Data Platformdomain → own microservice
MarketDataPort (@NamedInterface) · market_data_* MCP · REST /api/v1/marketdata
LEI-keyed · provenanced · enhancement-only write-back · PostgreSQL
External LLMsvia Spring AI
Claude · Gemini · OpenAI
The only external LLM egress — the modulith core is LLM-free.

The regulated core is deterministic and LLM-free. The Agent Platform proposes; your people decide. Your data stays in your estate.

How it works

From new deal to decision — on one SLA-driven flow.

The handoffs disappear. The workflow orchestrates; the agents do the lifting; your people judge.

Schema repository & full data validation

Every payload is validated against a versioned JSON Schema before it enters the flow — bad data never reaches a downstream system.

SLA-DRIVEN WORKFLOWtimers keep every stage on track
Initiate→ Structure→ Review→ Decide→ Book
Integrated with the Agent Platform

AI agents — knowledge, policy, financial & credit-memo — are invoked at due diligence; their analysis returns straight into the flow.

LEI backbone — every counterparty, facility & position is keyed to its GLEIF LEI, end to end.
+ Easily extensible — plug in new data sources, agents and workflow steps without re-plumbing.
1

Initiate

Capture the deal digitally in a guided workspace. No email chains, no swivel-chair re-entry.

2

Agents analyse

The suite enriches data, spreads financials, checks policy and drafts a grounded, cited memo — in minutes.

3

Review by exception

Traffic-light insights surface only what needs a human. Experts spend their time on judgement.

4

Decide

Two-signature committee decision; approved terms flow straight to booking. Every step audited.

Loan servicing, reimagined

Retire the legacy loan servicing core.

Incumbent loan-servicing platforms book and service the loan — but leave origination and credit as disconnected bolt-ons, behind proprietary technology and per-seat licences. LendingX brings booking and in-life servicing onto the same modern, open platform as origination and credit.

Today — the legacy stack
Origination tool→ Email→ Credit system→ Re-key→ Loan servicing core→ Spreadsheets

Proprietary, siloed and licensed per seat. Data is re-keyed at every hop; the operating model spans four systems and a dozen teams.

With LendingX — one platform
Originate→ Assess→ Book→ Service

One data model, one workflow, one audit trail. API-first, event-driven and PostgreSQL-native — no proprietary broker, no per-seat lock-in, real-time data throughout.

Instrument booking dealtreeAgreement → facility → product → drawing.
Drawings & rolloversBooked with maker-checker and full audit.
Daily interest accrualAutomated, with back-valued catch-up.
RFR compounded ratesSONIA, SOFR, €STR & more, in arrears.
Amendments & waiversLender consent & voting thresholds.
Capital & IFRS 9, liveRWA, expected loss & ECL, inline.

Run LendingX alongside your incumbent and migrate deal-by-deal — no big-bang cutover, no downtime.

LendingX vs the market

Why teams switch to LendingX.

Legacy cores digitise the paperwork. Point tools speed up the typing. LendingX changes the decision.

Capability Legacy core platforms Point AI tools LendingX
Own & amend the source codeLicensed binarySaaS — you rentYours to run & change
Time to credit decisionWeeksFaster drafting onlyMinutes
End-to-end lifecycle (origination → booking → servicing)Siloed—One platform
In-life loan servicing (drawings, rollovers, accruals, RFR rates)Separate core (e.g. Loan IQ)—Same platform
Agentic AI credit suite—Single-purposeFull suite
Single source of truth (LEI, filings, financials, ratings)Bolt-on—Native
Maker-checker, two-signature, SoDVariesBuilt-in
Tamper-evident audit trailBasic logs—Hash-chained
Humans in control (propose-not-decide)—OpaqueBy design
Explainable, deterministic workflowRigidBlack-boxDiff-reviewable
Basel IRB / IFRS 9 built inAdd-on—Native
Vendor lock-inHighMediumLow — open & Postgres
Trust

Bank-grade by design — not bolted on.

AI accelerates the work without ever holding the pen on the decision. Every control your risk and compliance teams expect is native to the platform.

Become a founding partner

Propose-not-decide agents

Agents recommend; the committee decides. The regulated core is LLM-free.

Maker-checker & two-signature

Segregation of duties enforced; large exposures need independent sign-off.

Tamper-evident audit

SHA-256 hash-chained trail — every action verifiable, end to end.

Fail-closed screening

Sanctions and KYC block, never silently degrade. Data isolated per context.

The invitation

Be the bank we build it with.

One founding partner. Three months of exclusivity in {{SEGMENT}}. Founder pricing on a platform you will own outright — and can run today. If that’s the kind of bet your team makes, let’s talk.

Become a founding partner Explore the live system