For Lenders
Validis provides transparency to the lending process,
reducing client onboarding time and increasing lending rates.

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Without Validis

Export

Manual exporting and extraction of data from various sources slows down on-boarding process. Constant back and forth drains time and resource for both borrower and lender.

Format

Large volumes of data in varying formats must be unified and copy and pasted together. Hours are drained checking data for errors and rekeying from one format to another. Files are then transferred to the lender via risky methods like email and fax.

Compile

Once data is formatted, underwriters compile their own credit reports before making a lending decision. This can take hours.

With Validis

Extract

At the touch of a button, Validis connects directly to your client’s accounting software and extracts an exact copy of their data. No manual interference means no manual errors and data integrity remains intact.

Standardise

The unique Validis algorithms check data for errors and anomalies and then create uniform, standardised reports.

Analyse

Extensive data analytics can be accessed quickly and securely via our unique pluggable feed or online platform. Validis generates a full set of financial reports that you can drill down into and analyse.

Validis enables lenders to access reliable and accurate data so they can respond to funding applications quickly and continue to lend with confidence.

In the current financial climate where lenders face continuous scrutiny, the need for reliable client data has never been stronger. Validis enables high speed transmission of financial data via the web, allowing banks and peer-to-peer lenders to access accurate and reliable accounting data securely and efficiently. The software extracts data directly from source accounting packages and drills down to transactional level, generating standardised reports for lenders to review in just a few minutes.

Validis eradicates time consuming manual data preparation and risky transference processes, enabling lenders to make swift and confident decisions. Once a client is onboard, Validis’ performance monitoring and covenant breakdown notification services allow changes in credit risk to be identified on a timely basis. This is crucial for complying with continuously evolving industry standards such as IFRS 9.

Aside from the ease of use and streamlined process, borrowers experience further benefits from Validis. Reduced cost of onboarding and monitoring in conjunction with increased transparency allows lenders to offer funding to a wider range of clients at better rates.

Validis gives you instant access to

Income Statement
Balance Sheet
Cash Flow Statement
Trial Balance
Aged Debtors Report
Debtors Activity Report
Aged Creditors Report
Creditors Activity Report
Full Audit Preparation Pack
Covenant Reports
Monthly Management Accounts
Full Historical Information
Transactional Level Reporting

The Data Journey

1. Account Activation
Both you and your client sign up via a simple web portal

2. Client Verification
Client authorises data access and automated transmission begins

3. Management Accounts
Submission of standardised monthly accounts

4. Covenant Monitoring
Real time performance monitoring and breakdown notification

5. Financial Data Feeds
Transmission of complete ledger data into lender's back-end systems

6. Online Access Anytime
Cloud-based application enables access anytime and anywhere

The Benefits

Validis enables lenders to provide financial support to their clients with ease and confidence.

Speed

Data transmission completes in under 10 minutes

On demand data enables fast informed lending decisions

Instant access to quality scores and downloadable reports

Savings

Streamlined process allows lenders to on-board more clients

Increased efficiencies result in cost savings

Reduced risk and default probability

Simplicity

Easy account activation via simple web portal

No software installation or download required

Effortless client experience

Standardisation

Uniform format regardless of accounting software

Manage multiple clients in one platform

Consistent drill down functionality for transactional level view

Security

ISO 27001 certified software

Data is 256 AES encrypted for absolute security

Secure extraction process ensures data integrity and mitigates risk

Sophistication

Unique, patented algorithms interrogate data to transactional level

Performance monitoring and covenant analytics and breakdown notifications

Exhaustive analysis and validation of complete data set

Lending Portal Demo - LendIt Europe 2016

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