Technology For Commercial Lenders
Accelerates loan origination, automates risk monitoring, and drives operational efficiency.

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Without Validis

Export

Manual labor intensive and time consuming request for information process for commercial lenders lenders and their business clients.

Format

Manual formatting of data in varying forms detract from higher value work and risks data quality.

Compile

Manual creation of financial reports drive additional resource inefficiency.

With Validis

Extract

At the touch of a button, Validis connects directly to loan applicant’s accounting application and extracts an exact copy of their data.

Standardize

Validis then interrogates the data for accuracy and produces standardized reports allowing the lender to directly populate a spreadsheet or port into other systems.

Analyze

In just minutes, the lender has access to an unedited, complete view of the borrower’s financials for examination and greater insights into the loan applicant’s business.

Accelerates loan origination. Automates risk monitoring and credit management. Improves operational efficiency.

Validis is not an online lender.  We provide technology that accelerates and automates loan origination and risk monitoring for commercial lenders. P2P lending is laden with inefficient processes as a result of the time-consuming manual labor involved with loan origination, risk management and financial covenant monitoring. Additionally, there is often a lack of access to a borrower’s full financial data such as transactional level details on invoices, collections and end user reconciliations in real-time. Validis’ scalable technology helps commercial lenders overcome these pain points and make fast, confident lending decisions.

Unlike other financial technology on the market, Validis can be tailored for multiple uses within different commercial lending products such as Revolving Credit Facility, Term Loans, as well as Invoice Financing and Leasing. Validis provides lenders and underwriters with the unique ability to receive pre-analyzed financial reports, drill down to the transactional detail level, and gives an immediate view of liquidity history and reconciliation.

 

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Comprehensive Standardized Reports

End User Reconciliations
Aged Receivables Report
Balance Sheet
Receivables Movement Report
Covenant Reports
Income Statement
Sales Invoice Report
Aged Payables Report
Payables Movement Report
Full Audit Preparation Pack
Trial Balance
Monthly Management Accounts

The Data Journey

1. Account Activation
Both the lender and loan applicant sign up via a simple web portal.

2. Client Verification
The borrower authorizes data access and the automated transmission begins.

3. Account Management
Submission of standardized monthly accounts.

4. Covenant Monitoring
Real time performance monitoring and breakdown notification.

5. Financial Data Feeds
Transmission of complete ledger data.

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

The Benefits

Lend with ease and confidence.

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Speed

Accurate financial data from the loan applicant’s SMB accounting software to your screen in minutes, improving your borrower’s experience and saving you time.

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Savings

Reduced risk and increased efficiency result in significant time and cost savings for you and your business clients.

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Simplicity

With just a few clicks of the mouse, you have access to real time data providing an up-to-date, transparent view of the financials.

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Standardization

Regardless of the SMB accounting application, Validis produces standardized reports saving you time spent on manual formatting.

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Security

ISO 27001 certified

SOC 3 certified

Patented, unique data encryption

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Sophistication

Unique, patented algorithms analyze and interrogate the data ensuring data quality is intact.

Lending Portal Demo - LendIt Europe 2016

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