Trade Ledger

Trade Ledger is a fintech platform that enables commercial banks and financial institutions to transform how they deliver business lending to small and medium enterprises (SMEs) and mid-market corporates. Founded in 2016 and headquartered in London, the company's lending-as-a-service (LaaS) platform aggregates data from across the supply chain, analyzes it in real time, and automates key credit decisioning processes throughout the customer lifecycle. Lenders using Trade Ledger can reduce loan origination costs by up to 60%, cut application dropout rates by 50%, and unlock significant loan book growth through embedded finance capabilities. The platform supports all secured and unsecured business lending products and integrates with bank infrastructure to enable new services such as embedded finance within B2B payment journeys. Trade Ledger's clients include global trade banks, regional banks, and alternative finance providers. Backed by Point72 Ventures, Foundation Capital, and Hambro Perks, the company raised £13.5 million in Series A funding in February 2021. Trade Ledger was subsequently acquired by United Fintech.