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Lender Intelligence System
The most comprehensive view of the UK bridging lending market — built from public data, credit intelligence, and the collective signal of every lender on the platform.
What is the Lender Intelligence System?
The Loan Intel Lender Intelligence System is a continuously updated database of UK bridging and development lending activity, constructed from Companies House charge registrations, corporate ownership records, regulated credit data, and insolvency/legal event feeds. It covers every active charge holder operating in the UK short-term lending market and every SPV that has ever registered a charge.
Unlike point-in-time credit checks or periodic bureau reports, the Lender Intelligence System is a live graph. When a new charge is registered, an ownership change occurs, or a payment event is logged, the affected entities are re-scored and alerts are dispatched within hours. Lenders who monitor their book via Loan Intel are the first to know when the risk picture changes.
The system is designed as neutral infrastructure. No lender's facility-level data is shared with any other lender. The intelligence is derived from publicly available data and aggregate patterns, not from your confidential loan book. Your data is ring-fenced, encrypted, and processed under strict contractual and regulatory controls.
System Coverage
Data Sources
Companies House Charges
Every charge registration in England and Wales — charge type, creation date, chargee name, satisfied or outstanding status — ingested within 24 hours of filing.
Corporate Ownership Data
Corporate ownership structures for all UK registered companies, including associated SPVs, parent companies, and corporate group relationships.
Credit & Payment Data
Payment history, arrears flags, and credit event data sourced via regulated data partners and from lenders participating in the Loan Intel data network.
News & Legal Events
Insolvency filings, winding-up petitions, county court judgements, and relevant news events from public registries and monitored media sources.
How It Works
Ingest
Raw data from Companies House, corporate ownership records, credit partners, and news sources is ingested continuously. Structured files are parsed, entities are deduped, and changes are timestamped.
Process
Entity resolution maps companies across datasets. SPVs are linked to their corporate networks. Charges are attributed to lenders and borrowers. Relationships are modelled as a graph.
Score
Each SPV in the system receives a Health Score from 0 to 100. Each sponsor receives a Network Risk Rating. Lenders are assigned a Market Activity Score based on charge volume and satisfaction rates.
Alert
When a monitored entity experiences a material change — a new charge, ownership change, insolvency event, or score movement — automated alerts are dispatched to the relevant lender teams.
SPV Health Score
Every SPV in the system is assigned a Health Score from 0 to 100. The score is a composite of charge history depth, lender concentration, corporate network stability, payment record, and any adverse legal or insolvency events. Scores are recalculated whenever a material data event occurs for the entity or any related entity in its corporate network.
A high Health Score does not mean an SPV is without risk — it means the available data indicates a history of structured borrowing, consistent repayment, and stable ownership. Lenders should treat the score as a starting point for due diligence, not a replacement for it.
Clean charge history, stable corporate structure, consistent payment record.
Some risk indicators present — review recommended before material decisions.
Multiple risk signals. Enhanced monitoring and credit review required.
Significant adverse signals. Immediate attention recommended.
Use Cases
Detecting Cross-Lender Exposure at Origination
A lender receives a £1.8m bridging application from a newly incorporated SPV. The parent company also controls 14 other SPVs, six of which have outstanding charges with other lenders totalling an estimated £11m. The Loan Intel network map surfaces this in 30 seconds.
Outcome
Lender declined facility and avoided a sponsor already at capacity.
Early Warning on a Performing Loan
An SPV within a lender's live book receives a second fixed charge from another lender, in potential breach of the loan agreement. The Loan Intel charge monitor detects the new registration within 24 hours of Companies House filing.
Outcome
Lender served formal notice and renegotiated facility terms within the waiver window.
Ownership Change During Loan Term
Midway through a 12-month development facility, the controlling entity of the borrower SPV is changed from the original sponsor to a newly incorporated holding company — a common tactic used in distressed restructurings.
Outcome
Alert triggered immediate review. Lender identified the underlying restructuring and accelerated repayment discussions.
Access the Platform
Get live access to the Lender Intelligence System — SPV Health Scores, corporate network maps, charge monitoring, and automated alerts for your loan book.
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