Validis

Validis is a financial data company founded in 2016 and headquartered in the United Kingdom, with operations across North America and Asia-Pacific. It connects lenders and accounting firms directly to a business customer’s accounting system. Banks assessing SME borrowers normally work from PDF statements or re-keyed spreadsheets; Validis replaces that with transaction level general ledger data taken from the source system.

The borrower grants permission once. Validis extracts the general ledger, runs algorithmic checks such as double entry and number format validation, and maps the result to a standard schema delivered through a portal, an API or an MCP server for AI assistants. Lenders receive automatically populated income statements, balance sheets, aged debtor and creditor reports and underlying ledger detail for commercial and specialist lending, and the same pipeline serves audit and M&A due diligence. Named users include Barclays, Santander, Lloyds and ABN Amro on the lending side and Deloitte, Grant Thornton and Withum in audit. Barclays reported a 75% workload reduction and 52% cost saving. Validis holds SOC 2 Type 2 and ISO 27001 certification.

1. Direct ledger extraction: pulls transaction level general ledger data from the borrower's accounting package instead of accepting PDF or re-keyed files.

2. Data integrity checks: algorithmic validation including double entry and number formatting before data reaches the credit analyst.

3. Standardised outputs: income statement, balance sheet, aged debtor and aged creditor reports generated automatically in a common format.

4. Three delivery channels: web portal, API, and an MCP server that exposes the standardised data to AI assistants.

5. Commercial and specialist lending modules alongside audit and M&A due diligence, on one extraction pipeline.

6. Verified impact: Barclays reported 75% less manual workload and 52% cost saving; Validis is SOC 2 Type 2 and ISO 27001 certified.