01
Invoice discounting
Advance against verified receivables, with off-taker quality, concentration and collection behaviour kept in the credit file.
Lending Infrastructure
Intelligent Risk Technology
A digital credit platform that automates risk assessment, pricing, portfolio monitoring and loan lifecycle management
72%Operational efficiency gain
4-6 monthsImplementation timeline
End-to-endCredit + operations
Showcase profiles
Portfolio snapshot
Demo Portfolio - Enterprise
Showcase data · updated Aug 30, 2026
Active Exposure
R420m
Weighted Rating
BBB+
Probability of Default
5.16%
Risk by product type
OriginateApplication capture, verification and evidence in one case file
DecideCredit rating, pricing, committee record and override control
Book & serviceContracts, disbursement, repayments and collections
OverseePortfolio reporting, reconciliation and audit history
Shared Product Path
Four working-capital products. One credit workflow.
Invoice discounting, purchase-order finance, contract financing and working capital follow the same credit, committee, contract and servicing path, with product-specific risk drivers retained on the case.
02
Purchase-order finance
Fund confirmed orders with supplier, delivery and repayment evidence linked to the same facility record.
03
Contract financing
Fund a named project or tender so you can deliver that contract, with milestone control from committee approval through disbursement and repayment.
04
Working Capital
A revolving-style facility against a book of customer contracts, used for day-to-day trading such as stock, payroll and suppliers — not unpaid invoices or a single project still to execute.
Platform Core
Credit risk, pricing and lifecycle control in one system.
A single platform for origination, explainable credit decisions, risk-based pricing, portfolio oversight and full facility servicing.
Credit risk engine
Automated analysis aligned to character, capacity, capital and collateral, with Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD) and Expected Loss (EL) on the case.
Probability of Default
Loss Given Default
Expected Loss
Risk-based pricing
Pricing recommendations based on risk, cost of funds, margin and tenor — with a full decision trail for committee review.
Expected loss model
Pricing rules
Margin checks
Facility lifecycle
Manage approval, contracting, disbursement, monitoring and settlement on one governed stage path.
Workflows
Approval routing
Repayments
Portfolio oversight
Live views across products, sectors, off-takers and regions, with early-warning signals when the book deteriorates.
Risk heatmaps
Sector limits
Delinquency trends
Governance and audit
Role-based access, maker-checker routing and a reconstructable history of credit and servicing actions.
Maker-checker
Role-based access
Decision history
Document and data intake
Structured capture of financials, contracts, identity evidence and supporting files, linked to each application.
Structured intake
Version history
Case evidence
See It In Action
Platform in view.
Live screens from LendMetrics — the credit, portfolio and facility views your teams would use every day.
Integrated Intelligence
Connected credit intelligence.
Bring verified company data, accounting records and bank activity into one credit review so decisions are faster and better evidenced.
Business verification
Confirm company registration, CIPC status, directors and related-entity information.
Accounting integrations
Connect Xero and Sage so financial evidence feeds credit review and ongoing monitoring.
Bank tracking
Use connected bank activity to watch inflows, repayments and cash-flow early warnings.
Committee-ready review
Verification, accounting and bank signals sit in one file with an audit trail.
For credit teams
A complete case file for affordability, grading and committee decisions.
For operations
Controlled stages from approval through disbursement and settlement.
For executives and funders
Portfolio risk, concentration and performance with a clear line of sight.
Operating Path
From origination to oversight.
Origination, optional verification, credit assessment, risk committee, contracts and servicing remain on one controlled path. Human override is retained.
01
Originate
Capture the SME, product and evidence in a structured case.
02
Decide
Complete rating, pricing and committee recording.
03
Book
Move through contract, disbursement and milestones.
04
Oversee
Service repayments, monitor arrears and report risk.
Portfolio Lens
Real-time book and risk oversight.
Move from static spreadsheet views to interactive dashboards that show exposure, risk and performance by product, sector, region and counterparty.
- Drill into any entity, off-taker or exposure line in a single click.
- Track deterioration in credit score, PD or behavioural flags over time.
- Monitor concentration limits and covenant breaches before they compound.
- Export committee-ready packs and credit review reports in seconds.
Risk distribution
Portfolio viewCredit Score
2.9
Probability of Default
5.2%
Expected Loss
R2.5M
Credit Rating
BBB+
Trust Layer
Technology built for trust.
Controls sit in the same system as credit and servicing, so evidence is available when funders, auditors and executives ask.
Encryption
Data protected in transit with TLS/HTTPS, and encrypted at rest.
Access control
Permissions follow role and mandate — credit, operations, collections and client.
Audit logging
Sensitive actions are timestamped, attributed and available for review.
Privacy alignment
POPIA-conscious capture: only the risk and financial fields required to operate the book.
Commercials
Flexible commercial models.
Choose a perpetual licence or a SaaS subscription, depending on how you prefer to operate and capitalise technology.
Option 1
Perpetual licence
Larger lenders operate LendMetrics internally, with Liquital providing hosting, maintenance and ongoing support.
- Perpetual software licence
- Liquital-managed hosting and updates
- Technical support and refresher training
Best when you want long-term ownership of core credit infrastructure. Talk to us about pricing.
Option 2
SaaS subscription
Liquital hosts and manages the platform, with subscription fees linked to portfolio scale and active facilities.
- Once-off setup and onboarding
- Monthly subscription linked to the active loan book
- Hosting, maintenance and updates included
Best when you want operating-cost adoption that scales with the book. Talk to us about pricing.
Strategic Advantage
Why LendMetrics.
Designed for African and emerging-market lenders operating in high-velocity working-capital environments.
Built for lending entities
Configured for invoice discounting, purchase-order finance, contract financing, working capital and related facilities.
Risk and profitability together
Credit metrics and book performance sit in one view, so you can see which facilities create value over time.
Low-friction implementation
Typical delivery in three to four months, with configuration, data migration support and training — without replacing your core systems.
Next Step
Ready to modernise your lending stack.
Deploy LendMetrics with hands-on professional services tailored to your lending model and operating controls.