Lendbase's Funding Engine connects your loan tape, bank feed, and trust documentation in one platform — automating the trust manager report, eligibility checks, and waterfall calculations that consume the first half of every month.
The first ten days of every month
belong to your trust manager report.
Reconciling bank feeds. Calculating waterfalls. Drafting investor reports.
The other twenty days are when you run the business.
Every month, your treasury team rebuilds the trust manager report from scratch — pulling bank statements, matching loan-level cash, recalculating the waterfall, and hoping nothing breached overnight. The work is critical, manual, and almost entirely automatable.
Your treasurer spends the first half of every month rebuilding the same report. Bank feed export, loan tape reconciliation, waterfall calculation, coupon expense, investor pack. By the time it's done, next month is already running.
10 days per trust per monthEligibility criteria, concentration limits, covenant tests — dozens of rules across multiple trust documents, checked manually against a moving loan book. One missed breach, one mis-routed loan sale, and you're explaining yourself to a trustee at 7am.
Manual compliance checksLoan sales recorded in the LMS. Cash settled in the bank. Notes issued by the trustee. Three sources of truth that have to match — and when they don't, your team spends days finding the break. Sometimes it's a genuine error. Sometimes it's a duplicate sale.
3 sources of truthEvery loan can sit in multiple warehouses, each with different pricing and eligibility. Without a system to optimise placement, loans default to whichever warehouse the team thinks of first — and you wear the difference in funding cost on every deal, every month, forever.
Bps left on the tableFunding Engine is the treasury module of Lendbase. It connects to your loan management system, your bank feeds, and your trust documentation — and automates the work that consumes your treasury team's month.
Your treasury team's monthly cycle reduced to inputs and review. Pull bank feed, confirm loan tape from the LMS, and Lendbase generates the full trust manager report — waterfall, coupon expense, pool tape, and investor pack — ready for review.
Trust documents tell you what loans can sit in which warehouse, what concentration limits apply, and what covenants must hold. Lendbase reads your trust docs, builds the rule set, and runs every loan against it automatically — pre-sale and on a continuous basis.
Every loan sale is recorded once and reconciled everywhere. Lendbase generates the trustee notice, matches the cash settlement against the bank feed, and confirms the loan has been registered in the trust — flagging any break in real time.
Most lenders place loans in whichever warehouse comes to mind first. Lendbase models the cost of funds for every eligible warehouse and recommends the optimal placement — so you capture the basis points that were previously left on the table on every deal.
Lendbase covers the complete lending lifecycle. Your origination team gets Broker Portal and Credit Decisioning. Your servicing team gets the Loan Management System. Your treasury team gets the Funding Engine. Every module shares one data model — which is what makes treasury automation actually work.
Every step connected. No manual handoffs. AI handles the repeatable work — your team handles the decisions.
Broker enters loan details, uploads supporting documents, and submits via the branded portal. AI validates inputs and flags missing information before the file reaches your team.
AI validates on intakeThe platform assembles a structured credit paper, runs the loan against your policy rules, flags any breaches, and surfaces justifications. Your credit team reviews and approves or declines in one action.
AI flags policy breachesOn approval, all data flows directly into the LMS. No re-entry, no copy-paste errors. The loan is ready for the next step immediately.
Zero data re-entryThe loan is tested against all available warehouse funders. Rules are stored per funder — LVR limits, property types, borrower criteria. The optimal funding match is returned automatically.
AI matches to best funderThe platform generates a settlement memo ready for your settlements team to send to solicitors, or for direct upload into Pexa. No template-filling, no manual calculations.
Pexa-ready outputDirect debit schedules are set at settlement. Repayments are collected, principal and interest split automatically, and reconciled against your warehouse facility. Missed payments trigger AI-driven outreach before they become arrears.
AI arrears detection & outreachLendbase is priced on portfolio size and product mix — not headcount or transaction volume. Speak with us to get a proposal tailored to your operation.
For lenders digitising their front office. Structured broker intake, AI-generated credit papers, and a deal pipeline your credit team will actually use.
For lenders modernising their back office. Full loan lifecycle management, native direct debit, and automated warehouse and trust management.
For lenders who want the complete stack. Both bundles together, with white-label options, custom integrations, and a dedicated success manager.
We're onboarding a small group of design partners before our full launch. If you're the Treasurer or CFO at a non-bank lender and want to see the platform in detail, we'd like to hear from you.
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