ABL Intel reads the filings, the accounts and the ledger itself — then shows you the working. Forensic review, borrower intelligence and debtor-book screening in one platform, built for the way secured lending is actually underwritten.
A generic credit report tells you a rating and a limit. It won't tell you whether the debtor book is real, whether the ledger reconciles, or who the directors have traded with before.
An invoice finance facility lives or dies on the quality of the receivables — concentration, credit notes, contra accounts, related-party debtors. That analysis has to happen line by line, not at company level.
Filed accounts are routinely more than a year old at the point of decision. Underwriting on them alone means underwriting on history — the ledger and the bank account are where the current picture lives.
A number you can't interrogate can't be defended to a credit committee, an auditor or a regulator. Every conclusion needs the filing, the note or the ledger line that produced it.
The same underlying intelligence serves the risk function and the front end — read differently, at different moments in the deal.
Seven capabilities, one evidence layer. We label what is available today and what is in build — so you know exactly what you'd be buying.
A structured audit of the sales and purchase ledgers behind a facility. We reconcile the detail to the control accounts and to the accounts as filed, then flag what doesn't tie.
A full borrower report built from primary registers — filing history, accounts, charges, officers, PSCs and adverse events — with a transparent six-dimension risk assessment on top.
Upload a sales ledger and we resolve every debtor to a real registered entity, then screen each one — so concentration, adverse events and collusion risk are assessed on the actual book.
Structured extraction from the records a borrower actually hands over — ledger exports, aged reports, management accounts and bank statements — normalised into one comparable dataset.
With the borrower's consent, read-only access to the business bank account so ledger and cash can be reconciled against each other — turning a point-in-time review into continuous assurance.
Once a facility is live, the book is watched. New filings, insolvency notices, director changes and adverse events are picked up against every company you're exposed to.
Where a borrower holds trade credit insurance, the screened ledger is mapped against the limits the insurer has actually granted and the policy's own terms — so you can see how much of the funded book is insured today, not just that a policy exists.
The same four steps whether it's a new enquiry, a pre-drawdown review or an annual renewal. See how our reports work in full →
Start from a company number or name. The public picture — filings, accounts, officers, charges, adverse events — assembles without anyone chasing the borrower for paperwork.
Ledger exports, aged reports, management accounts and bank statements are uploaded and extracted into one normalised dataset ready for testing.
Reconciliation and variance checks run against the ledger; every debtor is resolved and screened; the borrower is scored across six dimensions.
You get a report you can take to committee — each finding traceable to its source — and the company stays under monitoring for as long as you're exposed.
We built the platform on one rule: nothing is stated that can't be traced to a named source. Click any risk, strength or watchpoint and the underlying evidence opens beneath it.
"The financial statements have been prepared on a going concern basis, which assumes the continued support of the company's principal lender."
Illustrative example of the evidence drawer. The quote, the source label and the filing reference travel with every finding into the report and the PDF — so a credit paper can be checked back to the register it came from.
| Source | What it provides |
|---|---|
| Companies House | Registrations, filing history, accounts, officers and persons with significant control |
| The Gazette | Official insolvency and regulatory notices |
| The Insolvency Service | Insolvency events and director disqualifications |
| HM Land Registry | Property ownership and registered charges |
| OFSI / HM Treasury | Sanctions screening, with international lists |
| PEP data | Politically-exposed-person screening |
| Court & judgment data | County Court Judgments and other judgments |
| Payment-practices reporting | Payment-behaviour information |
| Regulator registers | Sector authorisations and enforcement |
| Client-supplied records | Ledgers, accounts and statements provided for a review |
Primary and official public sources wherever possible, supplemented by licensed data. We do not collect consumer credit-file data.
The platform and its data are hosted in the United Kingdom. Access is role-scoped and default-deny, and client data is segregated by tenant.
ABL Risk Intelligence Limited, registration ZC223245. Our privacy, transparency and retention policies are published in full.
We provide analysis and evidence. We do not issue credit ratings or credit limits, and we are not a credit reference agency.
Records uploaded for a review are used for that engagement. Cross-client information is never surfaced in another client's output.
The fastest way to judge the platform is to point it at a borrower whose file you've read — then check what it found against what you know.
