Built by people who’ve sat on the lender’s side.
Why we went in
We’ve spent our careers inside banks and lenders: building the credit-risk models they use to decide who gets funded, and the collections and insolvency strategies they use when things go wrong.
The pattern was always the same. The problem was visible weeks earlier, in the business’s own numbers, and nobody was looking. By the time anyone noticed, the cheap options had gone, payments were being missed, and any application was made in a hurry, from weakness.
Time is the fix. A business that can see its cash 13 weeks ahead can spot the squeeze and deal with it while there are still options. Nobody can guarantee funding, but an orderly application made before a missed payment has the best chance. And the lender or broker who sees it early can help first.
So we built a platform that gives SMEs that view, and gives the lenders, brokers and investors who already serve them a way to offer it under their own brand.
The founders
Aidan Halliday
Co-founder, commercial
Nearly a decade at credit-risk consultancy 4most, winning more than 20 IFRS 9 programmes across major UK banks and helping grow the firm to 300 people. Before that, collections, debt sale and insolvency strategy for lenders including Barclays, Capital One and Santander, at TDX (later part of Equifax) and TIC.
Mark Somers
Co-founder and CTO
Data science and large-scale systems, formerly Chief Product Officer at 51Degrees. Mark built the platform, its forecasting engine and its Xero, Companies House and HMRC integrations.
Our direct product
We also run Lucid Cashflow, the same engine for businesses that find us on their own. We never market it to a partner’s customers, and if one finds it independently, the partner relationship comes first in any conversation.
Company details
Lending Logic Ltd, registered in England and Wales, company number 17238785. Registered office: 6 Cairn Garth, Guiseley, Leeds, England, LS20 8QP. ICO registration: ZC162930. Contact: partners@lendinglogic.co.uk.
Get in touch.
Talk to a founder about what the platform would look like for your customers.