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Corporate lending for SME

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9.1 Origination and structuring

The Corporate Lending Service supports facility-oriented lending for SME customers. Origination can start through RM, branch, digital or partner channels. Applications capture borrower, group, facility and collateral data and route through decisioning and approval stages. Core origination capabilities include:
  • facility-based applications and underwriting stages
  • borrower and group data capture
  • collateral capture and linkage
  • indicative and final offer generation
  • document package and facility letter workflows
  • manual review, override and appeal handling
  • integration to external credit decisioning engines and financial data sources

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9.2 Facility management and servicing

Once booked, facilities move into lifecycle servicing. The platform maintains limits, pricing attributes, covenants, schedules, drawdowns and servicing history. It can operate as the principal facility system or as an orchestration layer alongside specialist risk and accounting engines. Supported lifecycle actions include:
  • drawdowns and rollovers
  • rate resets and fee assessment
  • repayment schedule maintenance
  • covenant setup, monitoring and breach workflows
  • prepayment, refinance and closure workflows
  • delinquency, arrears and exception state transitions
  • customer and internal notifications for key lending events

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9.3 Risk, limits and collateral

Limit and exposure views are assembled at borrower, group and product level. Collateral objects maintain links to facilities and can hold valuations, coverage ratios and impairment-relevant metadata. Covenant evaluation can be driven by internal rules or external financial data processing, with Finpace retaining the workflow, evidence and remediation record.

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9.4 Accounting and regulatory considerations

Corporate lending transactions generate product-level accounting entries and auditable business events. Mapping to the enterprise general ledger is handled through configurable accounting rules and integration adapters. Regulatory extracts, impairment attributes and local reporting classifications are maintained as domain attributes and reported through downstream feeds rather than hard-coded report layouts in the core service.