Return on Investment
What Loan Intel Makes You
Every bad loan you avoid is money you keep. Every risk you see early is a recovery you improve. This is what the platform is worth.
The Single Biggest Number
One avoided bad loan
Average Facility Size
£2M–£5M
Bridging & dev finance
NPL Recovery Rate
40–70p
In the pound, typically
Saved Per Avoided Default
£600K–£3M
Write-downs, legal costs, time
If the platform helps you avoid just one bad loan per year, it has paid for itself many times over. For most lenders, that number is higher.
Where the Value Comes From
Five ROI Drivers
Avoided Bad Loans
A borrower looks clean on your desk. Three months in arrears on five other facilities. You lend £3M. Recovery gets you £1.2M back. Loss: £1.8M.
The platform surfaces that borrower before you commit capital.
Earlier Default Detection
Cross-lender payment alerts surface problems 3–6 months earlier than your own monitoring. Earlier intervention means better recovery. The difference between a 70% recovery and a 40% recovery on a £3M facility is £900K.
Time is the most valuable asset in distressed situations. The earlier you act, the more you recover.
Serial Applicant Detection
Borrowers shopping 5+ lenders simultaneously are statistically higher risk. If three other lenders have already declined, you want to know that before drawdown.
The platform shows you application patterns across the network. Not who declined. Just that they did.
NPL Recovery Improvement
Structured data rooms with engagement analytics. You can see which NPL strategists are actually working and which are sending invoices. Better-informed buyers pay higher prices for distressed assets.
A 5% improvement on a £5M NPL disposal is £250K additional recovery.
Competitive Advantage
Market benchmarking data: know exactly where you sit on LTV, rates, facility size, geography. Price more accurately. Win better deals. Avoid the deals everyone else is avoiding.
The lender with the best data makes the best decisions. Full stop.
Side by Side
With vs Without Loan Intel
| Scenario | Without | With Loan Intel |
|---|---|---|
| Borrower due diligence | Manual CH searches, no cross-lender view | 12-point automated screening + network signals |
| Payment problems at other lenders | You find out when it’s too late | Cross-lender alerts surface issues in real time |
| NPL disposal | PDF data rooms, email threads | Structured data rooms with engagement analytics |
| Serial applicants | Invisible to you | Application patterns visible across the network |
| Market positioning | Guesswork and broker surveys | Real benchmarking data from live facilities |
| Contractor risk (dev finance) | Occasional CH check | Continuous corporate network monitoring |
Borrower due diligence
Manual CH searches, no cross-lender view
12-point automated screening + network signals
Payment problems at other lenders
You find out when it’s too late
Cross-lender alerts surface issues in real time
NPL disposal
PDF data rooms, email threads
Structured data rooms with engagement analytics
Serial applicants
Invisible to you
Application patterns visible across the network
Market positioning
Guesswork and broker surveys
Real benchmarking data from live facilities
Contractor risk (dev finance)
Occasional CH check
Continuous corporate network monitoring
“The question isn’t whether you can afford to join. It’s whether you can afford not to.”
For approved UK specialist lenders, the platform is free. The intelligence it provides has prevented millions in potential losses across the network.
See it for yourself
The numbers speak for themselves. One avoided bad loan. One earlier intervention. One better NPL disposal. The platform pays for itself before you finish onboarding.