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Scoring on live P&L. A continuous credit facility.
An agentic credit-ledger add-on to your existing core-banking solution: deploy a continuous credit line with repayment from revenue, scored on the borrower's live, transaction-level P&L. One consented feed — not an integration per source — brings the bank into the merchant's operating ledger. One unified system of record (SoR) beneath every credit product you launch.
Who we serve
Built for the institutions that run on ledgers
The same multi-ledger spine, applied to four kinds of financial businesses — each with its own subledgers, books and use cases.
Banks & credit unions
Launch payment and credit products on event-level subledgers beside your core: settlement with three-way match, escrow and reserve accounting, the advance financing engine embedded in your credit module, and continuous covenant and anomaly monitoring by the agent.
Asset managers, credit & PE funds
Fund and portfolio subledgers from one spine: US GAAP and IFRS books posted in parallel with independent close, multi-entity consolidation, receivables-portfolio scoring with reason codes, and lender- or investor-ready data packages exported on demand.
Carriers, MGAs & brokers
Premium, claims and commission subledgers reconciled event-by-event: reserve and escrow accounting on an immutable audit trail, broker and partner settlements posted automatically, and dual-book reporting for regulators without a second close team.
Fintechs, lenders & factors
The advance financing engine as an embeddable credit module: underwriting on verified ledger events, portfolio construction with risk-controlled individual take rates, and near-zero-risk factoring on shared contracts verified by both sides of the trade.
The solutions
Four GL applications. One multi-ledger spine.
Your core systems — core banking, policy administration, fund administration — keep the accounts. anyLedger runs the products: subledgers, settlement, scoring and reporting for every offering you launch.
Continuous credit facility — the key solution
Move from annual credit review to continuous underwriting. Scoring runs on live, transaction-level P&L — revenue and cash cycles, contribution margin by channel, inventory turnover, receivables aging, DSCR on 30–60-day cash flow, repayment performance — so the credit limit recalculates as the business changes and repayment links to revenue. Delivered as an embeddable credit module with live pre-scoring, origination and IFRS 9-style provisioning; acquiring revenue replaces property collateral, opening a new SME segment. Accounts, acquiring and credit distribute at the merchant's point of need.
- Continuous underwriting on live P&L
- Credit limits recalculated as the business changes
- Repayment linked to revenue
- Acquiring revenue replaces property collateral
Embedded payments GL
A settlement-grade ledger for payment products. ACH, card and payout events post individually — not as batch files into suspense accounts — with three-way match, escrow and reserve accounting, and automated return and incident handling.
- Event-level posting, no suspense sprawl
- Escrow & reserve accounting
- ACH returns & incident reporting
- EDI 820 remittance & automated cash application
General Ledger
US GAAP and IFRS posted in parallel from one source event — alongside local GAAP and tax books. Each book closes independently on a shared audit trail — dual reporting for regulated and international entities without dual entry, dual close or period-end translation projects.
- US GAAP + IFRS + local GAAP + tax in parallel
- Independent close per book
- Consolidation & multi-entity
- Regulator-ready audit trail
Agentic / MCP GL for enterprise
Give enterprise AI agents a governed way to work with the ledger. Over the MCP protocol, agents query balances, propose journal entries, run reconciliations and draft reports — every capability typed and permissioned, every action logged, human approval gates configurable per workflow.
- MCP protocol access
- Typed, scoped permissions
- Approval gates per workflow
- Immutable action log
Benefits
What changes for your institution
Measured against the typical build: a core system — core banking, policy admin or fund platform — a data warehouse, spreadsheets around the edges, and a 12-month product launch cycle.
Faster product launches
New payment, financing or insurance products get subledgers, settlement and reporting from the spine — instead of a core-system change request queue.
Credit decisions you can defend
Scoring built on verified ledger events produces explainable decisions — for borrowers, auditors and regulators alike.
Settlement that reconciles itself
Event-level posting with three-way match eliminates the suspense-account sprawl that grows around every embedded finance product.
Dual reporting without dual pain
IFRS and local GAAP from one source event — the close happens once, and both books are audit-ready.
Agent adoption without risk
Finance teams get AI agents that actually touch the ledger — inside permissions, approval gates and an immutable log your risk team signed off on.
Built for regulated deployment
Dedicated or private-cloud infrastructure, SOC 2-aligned controls, a fully encrypted ledger to the latest encryption standards — at rest and in transit — and role-based access mapped to your governance model.
Advantages
Why anyLedger wins over the status quo
Core systems were built for accounts. Financial products need a ledger built for events, books and agents.
| Status quo — core banking / policy admin / fund platform + warehouse + spreadsheets | anyLedger.ai | |
|---|---|---|
| Product subledgers | Bolted onto the core or rebuilt per product in spreadsheets | Spun up from the multi-ledger spine per product, day one |
| Settlement | Batch files, suspense accounts, month-end archaeology | Event-level posting with automated three-way match |
| Underwriting data | Quarterly financials and bureau pulls | Verified operational events — invoices, payouts, bank flows — in real time |
| IFRS reporting | Parallel close teams and translation projects | Parallel books from one event, one close |
| AI access | Agents read dashboards; humans rekey the results | Agents act on the ledger over MCP — typed, permissioned, logged |
| Auditability | Trail reconstructed across systems at audit time | Immutable, source-linked trail on every posting and agent action |
Deployment
Two deployment models — same ledger core
In one model the data flows to the FI over a permissioned link; in the other, the FI hosts the ledger itself.
SaaS + consented feed — US banks & credit unions
anyLedger runs the merchant's books as SaaS; the FI connects through a permissioned, read-only API/MCP feed of cross-channel cash-flow and contribution-margin scoring. No core-banking change on the FI side — the 90-day pilot pattern, vendor-due-diligence friendly.
Inside the bank's core — for commerce ecosystems
The merchant ledger ships inside the bank's core-banking stack. Merchants get books, tax filings and financing inside the bank's channels; the bank gets the credit module and continuous pre-scoring on live P&L. Built for banks running marketplaces and payment ecosystems.
Integrations
Connects to your core, rails and data sources
Native connectors plus the open MCP protocol for everything else — including your own internal systems and agents.
Build your next financial product on anyLedger
Limited-time offer: a free 3-month trial with custom-integrations support as part of the alpha testers group — places are limited