Product Guide

Creating Your Account

Loan Intel is a closed platform for UK specialist lenders and professional advisors. Accounts are provisioned by invitation or following a brief verification process. To register, visit www.loan-intel.com/get-started and complete the registration form with your firm name, job title, and business email address.

Our team reviews all new account requests within one business day. You will receive a welcome email with login instructions once your account is approved. If you do not receive a response within 24 hours, please check your spam folder or contact support@loan-intel.com.

1. Complete the registration form at www.loan-intel.com/get-started
2. Receive confirmation email and await account approval (up to 1 business day)
3. Click the activation link in your welcome email to set your password
4. Log in at www.loan-intel.com/login
5. Complete your profile and firm settings from the account menu

Setting Up Your Loan Book

Your loan book is the foundation of the platform. It represents your active portfolio of outstanding facilities, each linked to a UK-registered SPV or corporate borrower. Entries are matched to live Companies House data, so company names, status, and charge information are kept current automatically.

You have two options for populating your loan book: manual entry for smaller portfolios, or bulk CSV upload for existing portfolios. Both methods require the Companies House registration number for each borrower entity — this is the unique identifier the platform uses to link your data to market intelligence.

Manual Entry

1. Navigate to My Loan Book from the main menu
2. Click Add Loan in the top right corner
3. Enter the SPV's Companies House registration number — the platform will auto-populate the company name
4. Complete the facility details: reference number, facility amount, origination date, and property address
5. Optionally add insurance details, broker information, and loan type
6. Click Save to add the entry to your loan book

CSV Upload

1. Download the CSV template from the Loan Book page (Import → Download Template)
2. Populate the template with your portfolio data — required columns are marked with an asterisk
3. Return to Import → Upload CSV and select your completed file
4. Review the validation preview — the platform will flag any rows with missing or unrecognised company numbers
5. Confirm the import to add all valid entries to your loan book

Understanding the Dashboard

The main dashboard gives you an at-a-glance view of your portfolio health and any market intelligence relevant to your borrowers. It is divided into several key areas:

• Portfolio Summary: Total active loans, aggregate book value, and current late/default counts for your own portfolio.
• Network Alerts: Notifications about payment events, new charge registrations, and health score changes for companies in your loan book — including signals from other lenders in the network.
• Market Indicators: Aggregated, anonymised performance data across all participating lenders, including market-wide late payment rates and sector trends.
• Recent Activity: A log of your recent platform actions, including searches, loan book updates, and payment records.

Dashboard data refreshes automatically. Companies House and Experian data is updated nightly; payment signals from participating lenders are updated in near real-time as members record events.

My Loan Book

The loan book is your private portfolio tracker. Each entry represents a live facility secured against a UK property, linked to a corporate borrower. The platform enriches each entry with real-time data from Companies House, Experian, and HM Land Registry — you do not need to manually update company information.

Each loan book entry displays the borrower company's health score (a composite indicator of credit performance, charge activity, and payment history), active charge count, and any network payment signals. Where a company is part of a larger sponsor group, you will also see the parent entity and sibling SPVs.

Insurance Details

For each loan, you can record insurance coverage details including insurer name, policy number, coverage amount, and expiry date. The platform will surface alerts when insurance coverage is approaching expiry or falls below the outstanding loan balance. To add or update insurance details, open the loan entry and select the Insurance tab.

Payment Monitoring

The payment monitoring module lets you record and track payment events for each loan in your book. By recording payment outcomes — whether on time, late, or missed — you contribute to the network's cross-lender intelligence while maintaining your own detailed payment history.

Payment Status Types

• Paid on Time: Payment received on or before the due date.
• Late: Payment received after the due date. Record the number of days late.
• Missed: Payment was not received. The loan remains outstanding past the payment date.
• Default: The borrower has formally defaulted on the facility. This triggers the most prominent network notifications.
• Redeemed: The facility has been fully repaid and the loan is closed.

When you record a late, missed, or default status, the platform automatically generates an anonymised network notification. Other lenders who have exposure to the same corporate entity or sponsor group will receive an alert — they see the nature of the event and the affected company, but your identity as the reporting lender is never disclosed.

Sponsor Search

The Sponsor Search tool enables you to research any UK company or corporate group before making a lending decision. Search by company name or Companies House registration number to access a full intelligence profile, including the company's corporate ownership structure, all associated SPVs and subsidiaries, active charges across the group, Experian commercial credit data, and cross-lender payment signals.

The corporate ownership network view maps corporate structures, showing connections between sponsors, their associated SPVs, and the lenders who have active charges. This is particularly useful for identifying hidden group-level risk — where a guarantor's other entities may be exhibiting payment issues that are not yet visible in your own portfolio.

1. Navigate to Sponsor Search from the main navigation
2. Enter a company name or Companies House number in the search box
3. Select the entity from the results list to open its full intelligence profile
4. Use the tabs to navigate between Overview, Charges, Corporate Network, Payment History, and Related Entities
5. Use the Add to Watchlist button to track a company and receive ongoing alerts

Declined Applications

Recording declined applications helps build the network's intelligence around high-risk borrowers and sponsors. When a lender declines an application, they can record the decline reason against the SPV or borrower entity. This information is anonymised and shared with the network — other lenders will see that an entity has recent declines and the broad reason category, but not the identity of the declining lender.

Decline Reason Categories

• Credit quality — borrower credit profile below threshold
• LTV / security — loan-to-value or security concerns
• Insufficient track record — new borrower with limited history
• Existing debt — excessive existing charge or debt burden
• AML / KYC — anti-money laundering or identity concerns
• Exit strategy — insufficient or unclear exit route
• Other — specify in notes field

To record a decline, navigate to Declined Applications and select Record Decline. Enter the borrower's company number, the application date, decline reason, and any relevant notes. Decline records contribute to the borrower's platform health score.

Connecting Accounting Software

Loan Intel integrates with leading accounting platforms to allow you to reconcile loan book data with your financial records, automate payment status updates, and generate regulatory reports. Supported integrations include Xero, QuickBooks, and Sage.

To connect your accounting software, navigate to Settings → Connections and select your accounting platform. You will be redirected to authenticate with your accounting provider and grant Loan Intel read/write permissions to the relevant data. The connection can be revoked at any time from the Connections page.

Once connected, payment records in your accounting software can be synced to the platform automatically on a nightly basis, removing the need to manually record each payment event. Two-way sync is also available — platform payment status updates can be written back to your accounting software.

Loan Book Database

Platform administrators have access to the full loan book database — an aggregated view of all loan book entries submitted by participating lenders. This is used for platform management, data quality review, and generating market-level analytics.

The admin loan book view shows all entries across all lenders, with filters for lender, status, date range, and borrower entity. Individual lender identities are visible at the admin level for data quality and support purposes. All admin access is logged for audit purposes.

Platform-wide Payment Monitoring

The admin payment monitoring view aggregates all payment events recorded across all participating lenders. It provides a real-time view of market payment performance, enabling administrators to identify systemic trends, validate data quality, and monitor the health of the network's intelligence.

Administrators can view, filter, and export all payment records, including the lender who submitted each record. This level of access is restricted to administrators and is governed by strict internal data access controls.

Account Management

Administrators can view, approve, suspend, and manage all platform user accounts from the Admin panel at www.loan-intel.com/platform/admin. Actions include approving pending registrations, resetting passwords, adjusting user permissions, and revoking access.

• View all registered accounts and their last active date
• Approve or reject pending account registrations
• Grant or revoke admin permissions
• Suspend accounts without deleting data
• View per-account activity logs for audit purposes

How to Use Bulk CSV Upload

For lenders onboarding an existing portfolio, bulk CSV upload is the fastest way to populate your loan book. The template includes all available fields — only the Companies House number, facility reference, and facility amount are mandatory. All other fields (property address, origination date, loan type, insurance details) are optional but enrich the platform's intelligence for your loans.

Common Issues & Fixes

• Company not found: Verify the Companies House number at Companies House. Dissolved or struck-off companies will be imported but flagged for review.
• Duplicate entries: The platform detects duplicates by company number + facility reference. If a duplicate is detected, the import will prompt you to skip or overwrite.
• Currency formatting: Enter facility amounts as plain numbers (e.g., 2500000), not formatted strings (e.g., £2,500,000).
• Date format: All dates must use ISO format: YYYY-MM-DD.

Setting Up Email Notifications

Loan Intel sends email notifications for important platform events, including network payment alerts for companies in your loan book, insurance expiry warnings, new charge registrations on your borrowers, and your weekly portfolio digest.

To manage your email notification preferences, navigate to Account Settings → Notifications and configure which events trigger immediate emails, which are included in your weekly digest only, and which are silenced. You can also set a minimum severity threshold — for example, to receive email alerts only for missed or default events rather than all late payments.

Network notifications are sent as soon as they are triggered — typically within minutes of a lender recording a late, missed, or default payment in the system. Ensure your registered email address is a monitored inbox.

Exporting Your Data

All of your data on the platform — your loan book, payment history, decline records, and search history — can be exported at any time. Exports are available in CSV and Excel formats from the relevant section of the platform.

• Loan Book Export: Go to My Loan Book → Export. Includes all loan fields and current enriched data (health score, charge count, Experian score).
• Payment History Export: Go to Payment Monitoring → Export. Includes all payment events with dates, statuses, and loan references.
• Decline Records Export: Go to Declined Applications → Export. Includes all decline records with reason categories and dates.
• Full Data Export: Go to Account Settings → Data Export to request a complete export of all your platform data in machine-readable JSON format.

Data exports contain only your own data. You cannot export network intelligence, aggregated market data, or other lenders' information. If you require data for a regulatory or legal matter, contact support@loan-intel.com with your request.