LENDMETRICS.

TECHNICAL Company Profile · Confidential

For funders, lenders & potential partners

SME working-capital lending platform for institutional lenders.

LendMetrics supports credit assessment, facility lifecycle management and portfolio oversight for invoice discounting, purchase-order finance, contract financing and working capital — on one governed application path.

Invoice discounting Purchase-order finance Contract financing Working Capital Shared credit workflow

A product of

Liquital (Pty) Ltd Clarity in Credit

Intended for banks, non-bank lenders and specialist finance teams that require controlled lending operations and auditable credit processes.

Originate Application capture, verification and evidence in one case file

Decide Credit rating, pricing, committee record and override control

Book & service Contracts, disbursement, repayments and collections

Oversee Portfolio reporting, reconciliation and audit history

Business challenge

Credit assessment, facility servicing and portfolio reporting are commonly disconnected.

The result is slower decisions, weaker evidence trails and delayed portfolio visibility.

01

Fragmented credit process

Assessments are often managed across spreadsheets, email and separate document stores. Cases become difficult to compare, defend in committee, or reconstruct for funder and internal review.

02

Split servicing and reporting

Facility management and portfolio reporting frequently sit outside the credit system. Exposure, arrears and concentration risk are harder to monitor in time to intervene.

Affected roles

Business stakeholders in the lending process

Credit teams Require a complete case file with assessment, pricing narrative and committee outputs.

Operations Require controlled stages from approval through disbursement, repayment and settlement.

Executives & funders Require portfolio risk, concentration and performance reporting with clear line of sight.

Borrowers Require statements, schedules and servicing communication through a client portal.

Shared product path

Invoice discounting, purchase-order finance and contract financing follow the same credit, committee, contract and servicing workflow, with product-specific risk drivers retained on the case.

Platform response

A single auditable workflow from origination to oversight.

LendMetrics is an institutional lending application suite. Origination, optional verification, credit assessment, risk committee, contracts and servicing remain on one controlled path, with human override retained.

01
OriginateCapture the SME, product selection and evidence in a structured case.
02
DecideComplete risk assessment, pricing and committee recording with override control.
03
BookProgress facilities through contract, disbursement and stage milestones.
04
OverseeService repayments, monitor arrears and report portfolio risk.

Application suite

Credit assessment, facility lifecycle and portfolio reporting in one system.

Selected screens from the live LendMetrics platform.

Origination, credit assessment and committee outcomes write to the same facility record used for contracts, disbursement, repayments and oversight, so evidence remains linked to the decision.

Credit rating and risk surfaces — 01
**Credit assessment** PD, rating and affordability outputs with evidence ready for committee review.

Portfolio analytics surfaces — 02
**Portfolio oversight** Exposure, concentration and early-warning views across the live book.

Facility lifecycle workflow timeline — 03

**Facility milestones**

Committee approval through contract, disbursement, repayment and closure — with actors, amounts and status kept on the milestone trail.

01 · ORIGINATE

Case & evidence

Application intake, case registry and optional verification feed one credit file.

02 · DECIDE

Credit & committee

Long- and short-term assessment paths, pricing narrative and recorded votes.

03 · BOOK

Contract & disburse

Offer packs, signing readiness and facility stage control into disbursement.

04 · SERVICE

Collect & oversee

Schedules, collections, reconciliation and management reporting on book.

Business outcomes

Improved decision support, process control and portfolio visibility.

Designed for institutional lending teams that require both operating efficiency and demonstrable control.

Primary benefits

Faster credit decisions Shorter path from intake to committee-ready assessment.

Complete case evidence Inputs, documents and pricing kept in one credit file.

Live portfolio visibility Exposure, concentration and early-warning views on book.

Audit-ready decision trail Credit actions and overrides remain attributable.

Standardised lending process Shared stages for invoice, PO, contract and working-capital facilities.

Controlled committee workflow Structured packs, recorded votes and override control.

Facility lifecycle control Stage tracking from approval through repayment.

Fewer system handoffs Credit, servicing and reporting stay linked.

Supporting modules

Credit decisioning with the operational modules required around the credit path.

These capabilities are delivered in the same platform as credit assessment, not as disconnected side tools.

Business verification Optional verification and evidence capture before credit assessment finalises the case.

Accounting links Xero and Sage connections to bring financial evidence into the credit file.

Risk committee Structured packs, recorded votes, human override and attributable decision history.

Contracts & offers Offer packs and signing readiness that progress into facility stage control.

Bank & reconciliation Repayments, allocations and bank matching to support book reconciliation.

Portal & messaging Client portal access and staff communications linked to the facility record.

IT context — trust & security

Access, audit, resilience and privacy controls for institutional review.

Summarised from the live LendMetrics Trust & Security control matrix. This is an operational control description, not a certification claim.

Access & privilege

Role-based permissions for Admin, Credit, Ops, Collections and Client. Maker-checker checkpoints and restricted administrative access.

Identity & sessions

HTTPS/TLS for data in transit. Idle session timeout with automatic logout. Two-factor authentication (OTP / authenticator app) for staff accounts. Password policy enforcement and CSRF-protected authenticated sessions.

Feature-level authorisation

Central feature registry and route bindings so protected screens and actions are gated by capability, not navigation visibility alone.

Client data isolation

Server-side client scoping before object lookup, so borrower and portfolio data remain separated across staff and client journeys.

Audit reconstruction

Credit decisions, overrides, communications, repayment events and authentication/session events remain attributable for internal and funder review.

Protected documents & exports

Document, report and export access follows authenticated permission checks, reducing uncontrolled file sharing outside the platform.

Resilience

Routine backups with restore validation, monitoring and incident handling, plus version-controlled release discipline.

Privacy (POPIA-conscious)

Data minimisation, role-scoped visibility and user-linked action history to support accountable processing.

Hosting posture

Hardened managed hosting with controlled privileged access — available with perpetual licence or SaaS delivery.

Control domains: Governance · Security · Identity · Isolation · Audit · Resilience · Privacy Open Trust & Security matrix →

Delivery model

Configuration-led implementation with training, integration and ongoing support.

Typical timeline: configure, train and go live in 3–4 months.

01

Discover

Map lending process, products and control requirements.

02

Configure

Align workflows, roles and risk methodology to the book.

03

Integrate

Connect evidence sources and operating data where required.

04

Train

Enable credit, ops and oversight teams for daily use.

05

Go live

Operate with Liquital support for hosting and maintenance.

Target institutions

Institutional lenders and alternative finance providers

Commercial banks and SME finance providers · Non-bank and specialist lenders · Invoice discounting and supply-chain finance · Development finance and impact lenders · Structured and asset-backed finance teams.

Liquital (Pty) Ltd develops and supports LendMetrics. Delivery options include a perpetual licence with managed hosting, or a SaaS subscription linked to portfolio scale.

Recommended next steps

01Technical walkthrough of origination, credit, committee, contracts and servicing
02Review Trust matrix, permissions model and audit evidence
03Map invoice, PO, contract-finance and working-capital products to the shared workflow
04Agree implementation scope and commercial model

Request a briefing

Capability overview · demonstration · implementation scoping

lendmetrics.space info@liquital.co.za Contact form

Liquital (Pty) Ltd · Johannesburg

Contact

Schedule a demonstration

45–60 minutes to review your lending process and the LendMetrics application path.