Ctrlend is revolutionizing the lending industry with our AI-driven platform that prevents risks, streamlines operations, and enables real-time global transactions. We address critical challenges: 94% of financial institutions report losses due to failed risk management, and manual reconciliation consumes up to 65% of a finance team's time. Our solution enforces contract terms in real-time, automates processes, and ensures continuous regulatory compliance. With over £700M in transactions processed in the last two years and strategic partnerships established, Ctrlend is poised to be a part of the £14.7 billion lending software market projected by 2027.
Products & Services
CtrLend is a rule-based lending-as-a-service platform that transforms lending operations
through:
1. Real-time Contract Enforcement: Automated enforcement of contract terms, preventing
risks before they occur.
2. Automated Purchase Batching: Streamlines asset purchasing, reducing manual
oversight.
3. Streamlined Onboarding: Efficient client integration, reducing setup time and costs.
4. Global Accounts & Cross-Border Payments: Enables instant, multi-currency
transactions, facilitating global lending.
5. Proactive Risk Prevention: Continuous monitoring and intervention to prevent contract
violations and financial risks.
Problem Solved
CtrLend addresses critical challenges in the lending industry:
1. Reactive Risk Management: 94% of financial institutions report losses due to failed risk
management. CtrLend prevents risks proactively through real-time contract enforcement.
2. Operational Inefficiencies: Manual reconciliation consumes up to 65% of a finance team's
time. Our automated processes significantly reduce this overhead.
3. Global Transaction Hurdles: Cross-border payments typically take 3-5 days to settle. CtrLend
enables instant, multi-currency transactions.
4. Compliance Challenges: Financial institutions spend an average of £10,000 per employee on
regulatory compliance.
Revenue Model
CtrLend's revenue model includes:
SaaS Fees: £35,000/year per customer
Performance - Based Fee: 0.8% based on KPI criteria
Origination Fee: 2% on ~50% of cases
Transaction Fees: Percentage on each transaction
This aligns our success with clients' growth. As their transactions and portfolios expand, our revenue grows.
Key Metrics:
Minimum Annual Revenue per Customer: £35,000
Break-even: Month 13
Potential Revenue: £8.13M for a £300M portfolio
Projected Gross Margin: 60.53% in Year 3
Our scalable model ensures predictable recurring revenue and significant upside as lending volumes increase.
