Trade Ledger

Trade Ledger is a UK-headquartered technology company, founded in Sydney in 2016, that builds a digital business-credit management platform for banks and non-bank lenders. It targets a structural problem in SME and commercial lending: origination and servicing that rely on manual document collection, static financial statements and disconnected systems, which make working capital credit slow and expensive to underwrite.

The platform ingests data from accounting systems, ERPs, invoices, bank feeds and credit bureaux through APIs and an event-driven architecture, then applies automated workflows and proprietary data models to onboarding, credit decisioning, limit setting, drawdown and portfolio monitoring. Its composable design lets a lender deploy individual modules alongside existing core banking rather than replace it, supporting multi-product facilities spanning receivables finance, invoice finance, asset-based lending and term loans. United Fintech acquired the company in November 2025; it continues to trade under the Trade Ledger brand.

1. End-to-end digital origination and servicing for working capital lending; the company states coverage of 99% of working capital products.

2. Composable, API- and event-driven architecture that plugs into existing core banking instead of replacing it.

3. Company-stated outcomes: credit decision in about 1 hour and cash disbursement within 24 hours.

4. Company-stated 97% reduction in manual errors and 50% faster approval of new terms.

5. Multi-product, multi-party facility support: receivables finance, invoice finance, asset-based lending, term lending.

6. Acquired 100% by United Fintech in November 2025; founding team retained under CEO Martin McCann.