Commercial Lending

Borrower financial data, the moment you need it.

Live balance sheet, GL, P&L, AR and AP from the borrower’s accounting system – for automated lending workflows, covenant monitoring and portfolio review.

Connect once. Pull fresh data whenever the credit decision requires it.

Scope

On-prem & cloud packages

Coverage

100+ Accounting Systems

Compliance

SOC 2 · ISO 27001 · Audit trail

WHY COMMERCIAL LENDERS CHOOSE VALIDIS

Speed where it pays. Governance where it matters.

The same data layer that powers your team’s workflows also powers the AI you use today: Copilot, ChatGPT, Claude and internal LLMs.

One connection. Origination to portfolio review

Origination, automated financial spreading, covenant monitoring, portfolio review, all from the same standardized data pipeline. Refresh on demand without re-tapping the borrower.

  • API and MCP integration into credit decisioning and monitoring platforms
  • Scheduled refreshes for covenant monitoring
  • Portfolio-level analytics from a single integration
Faster underwriting, especially in the middle market

Connect at origination. Underwriting starts on standardized borrower financial data, not a client-prepared export. Speed at origination makes the emerging middle market economically viable.

  • Borrower data delivered in minutes from connection
  • Standardised across every borrower’s accounting system
Governance you can show your regulator

Permissioned at the borrower. Audit trail at extraction. Your data stays your data, with no model training and no third-party exposure. Built for the controls your compliance, risk and second-line teams require.

  • SOC 2 Type II and ISO 27001 certified
  • Full provenance from source system to standardized output
  • Data residency options for regulated environments

See it in action

Reconciliation

Auto-calculate ineligibilities and disapprovals in minutes. Cutting reconciliation pain by 25%.

Client upload journey

Data sharing made easy for you clients. From email to upload in 2 minutes.

FREQUENTLY ASKED

Frequently asked questions about commercial lending data.

  • What is automated financial spreading?

    Automated financial spreading is the process of pulling a borrower's financial statements directly from their accounting system, standardizing them to a common chart of accounts, and feeding them into a credit decisioning model. Validis automates the entire spreading step, eliminating manual rekeying and version-control issues during origination.

  • How does Validis support covenant monitoring?

    Validis delivers fresh borrower financials on a monthly, quarterly or on-demand cadence, standardized to one common data model. Covenant tests run against the latest source-of-record data automatically. No back-and-forth with the borrower for fresh exports. Compatible with covenant monitoring platforms and internal credit systems.

  • How fresh is the borrower data Validis provides?

    Validis pulls data directly from the borrower's source accounting system, so the data is as fresh as the borrower's own books. Connection refreshes can be scheduled daily, weekly, monthly, or triggered on-demand. No waiting on a borrower-prepared export.

  • What accounting systems do commercial lending borrowers use?

    Most commercial lending borrowers use QuickBooks, Xero, Sage (50, 200, Intacct), NetSuite, Microsoft Dynamics or FreeAgent. Validis connects to all of these plus 100+ other systems, covering both SMB and mid-market segments. Cloud and on-premise systems are both supported.

Get started

Faster decisions. Same governance.