Find funding-ready SMEs at peak health
— not at crisis.
LendingLogic runs monthly against your clients' live Xero data. When a signal fires, it auto-packages a bank-ready application and routes it to the matched lender — before the cold broker call, before the cashflow trough. Free to the SME. Funded by lender referral fees.
Four steps from Xero to a packaged application in the matched lender's inbox.
SME connects Xero.
OAuth 2.0 read-only, 60 seconds, no manual upload. Daily refresh. Once it's connected, the borrower and their accountant never touch it again.
Six signals run daily.
Cashflow runway, working capital, debtor concentration, aged debt, revenue trend, funding headroom. Deterministic — calculated server-side, never by the LLM.
Signal fires at peak creditworthiness.
Not at crisis — early, while options are good. The accountant gets a plain-English summary in Claude. One-click eligibility check. No hard sell. The client owns the decision.
Pack lands in the matched lender's queue.
12 months of P&L and balance sheet, signal scorecard, aged-debt breakdown, revenue chart, credit narrative. One lender per product type — no auction, no rate race.
Six rules. Each fires before a broker would call — and each maps to one product type.
Cashflow Runway
Days until operating cashflow turns negative. Fires below 90 days — while the business is still healthy and the options are still good.
Working Capital
Current ratio dropping below 1.4× with a downward trend gives 6–8 weeks of lead time before a crisis materialises.
Debtor Concentration
Top debtor over 40% of receivables. The classic invoice-finance setup — concentrated risk, solvable with the right product.
Aged Debt
Deterioration in the <60-day bucket predicts a cashflow squeeze ~8 weeks out — earlier than any traditional trigger.
Revenue Trend
Twelve-week rolling slope, sustained positive. The business needs capital to fulfil demand, not to survive it.
Funding Headroom
Debt-service capacity against current obligations. Identifies expansion-ready, underleveraged businesses — the best risk on the panel.
Every referral arrives as a bank-ready pack. No chasing. No gaps. No reconciliation.
Self-reported figures and a handful of emailed PDFs.
- Missing months, inconsistent formats
- No cashflow context or trend data
- Credit narrative written from scratch
- Pitched to five lenders at once — the rate race begins
Complete on arrival. Live data, signal-matched, exclusive.
- 12 months of live Xero P&L and balance sheet — verified, timestamped
- Six-signal scorecard with trend arrows, plus the triggering signal
- Draft credit narrative, formatted to your house style
- Exclusive match — one lender per product type. 48-hour pass window.
Run it for a client. Or join the founding panel.
A funding signal on every client on your book — not just the top decile.
One Claude skill. One API key. Zero per-client configuration. Type "Run LendingLogic for [client name]" and the workflow runs end-to-end inside Claude — Xero pull, signals, alert, consent, pack.
- Limited companies only · Xero MCP-native
- Revenue share on funded referrals
- Limited-company referrals only · outside the Consumer Credit Act
Founding panel of three to five. Shape the pack. Lock in the terms.
No upfront cost, no subscription, no minimum volume. You pay only on completion — a 2% referral fee on funded transactions. Exclusivity by product type. 48-hour pass window. The first pilots run as a 90-day calibration.
- One panel lender per product type — no auction
- Pre-packaged: 12mo Xero · signal scorecard · narrative
- Exit after 90 days · no obligation