Your customers, seen early.
We give your SME customers a cashflow tool they’ll use every week, under your brand, so you see trouble early and are first call when they need funding.
Built by the team behind 20+ IFRS 9 credit-risk programmes for UK banks.
logoYourBrand FinanceMon 2 Nov · 08:00
Shown in a sample partner’s brand. Businesses and figures are illustrative.
Your name, logo, colours and domain throughout. Ours appears nowhere.
Three things your customer book doesn’t give you today.
A reason to talk, every week
Each customer gets their cash 13 weeks ahead and a plain verdict every morning. It’s useful to them, so they keep coming back, and it carries your name.
Stress you can see before arrears
Your portal rates every connected business green, amber or red, with the reason and the week it bites. Weeks of notice, not a missed payment.
Funding needs come to you first
When funding is the right answer, the case arrives early and fully prepared: live forecast, ledger evidence and a standard pack. You see it before anyone else.
Your platform, your customers, your brand.
We launch it under your brand
Your name, logo, colours and domain on every screen, report and email. Our name appears nowhere in the product.
Your customers connect
Advisor-led, with your team connecting customers and presenting findings, or self-serve from an invitation you send. Read-only access to Xero.
You see early and act first
Alerts when a customer’s outlook worsens. Funding needs routed to you first. A conversation weeks before it would otherwise have happened.
One platform, three kinds of partner.
Be first call when your customers need more.
Lending again to customers you know is your cheapest growth. Earlier sight of stress protects the book.
For lenders → Brokers and networksTalk to clients before they need you.
A monthly touchpoint with every client, and funding cases that arrive early with the numbers done.
For brokers and networks → InvestorsA finance director’s view for every company you back.
Each company sees 13 weeks ahead. You see who needs help before the board meeting.
For investors →The problem is always visible weeks before the missed payment.
We’ve spent our careers on the lender’s side: building the IFRS 9 credit-risk models UK banks use, and the collections and insolvency strategies for when things go wrong. The pattern never changes. The squeeze was there in the business’s own numbers weeks earlier, and nobody was looking.
Time is the fix. A business that sees the squeeze early can move a payment, chase a debtor, or apply for funding calmly, in good order. A lender or broker who sees it early can help while there are still good options.
Built to stand up in front of a credit committee.
Calculated, not generated
Every figure is calculated by code from the business’s own ledger. The AI explains the results; it never invents a number. Every forecast can be traced back to source.
Real-world cashflow
How each customer actually pays, not just invoice due dates. VAT, PAYE and Corporation Tax on their real due dates. Invoice discounting and book facilities handled properly.
Validated with practitioners
Every feature in the first version was validated with practising CFOs, and a live trial synced 24 months of ledger data.
Owners stay in control
Customers adjust their own assumptions in plain English. Nothing is shared with you or anyone else without their consent.
What partners ask first
Anything else? Email partners@lendinglogic.co.uk and a founder will reply.
Will our customers see your brand?
No. The platform runs under your name, logo, colours and domain. Lending Logic appears only where the law requires it: as data processor in your privacy notice.
Is this lead generation?
No. It’s a tool your customers use every week to run their cash. Funding needs surface as a by-product, early and with the numbers done, and they come to you first.
Do you compete with us on lending, data or underwriting?
No. We are not a lender and we don’t sell credit data or underwriting models. We sit on the customer relationship you already have and make it more frequent and more useful.
What does it cost?
A one-off set-up fee, then a licence priced per active business, or an annual licence for larger books. White label is standard, not an extra. Lenders can start with a fixed-fee paid pilot.
How long does it take to launch?
We aim to have your branded platform live within 90 days of signing, starting with a pilot group of your customers.
See it under your brand.
A 30-minute conversation with a founder. We’ll show the platform in a sample partner’s branding and talk through a pilot.