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- Lending Platform
- Data model
The tables behind Lending Platform
Lending Platform ships with 15 tables, grouped here by the feature that uses them. Every record your team works with lives in one of them, and you can add fields and tables in Proto.
- Tables
- 15
- Features
- 7, plus shared settings
- Change it
- Add fields and tables in Proto
How the model is organised
Party and access
Organizations, Borrowers, team members and Users identify the lending party and working scope.
Origination
Loan applications and underwriting reviews carry the request and assessment.
Decision and evidence
Review decisions, record attachments, application evidence and operation receipts retain reasons and effects.
Account activity
Loan accounts, Disbursements, Repayments and loan account snapshots carry account context and provider observations.
Currency reference
Exchange rates holds effective rates for the app.
Every table, by feature
- Borrowers and organizations6
- Loan applications7
- Underwriting and decisions6
- Application evidence6
- Loan accounts and disbursements6
- Repayments and reconciliation5
- Operations oversight6
- Shared and settings1
- Borrowers
Borrower parties with identity, contact, eligibility note and organization scope.
Linked to Organizations - Organizations
Lending organizations that scope borrowers, team members and applications.
- Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Users
Users
Linked to Users - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Loan accounts
Loan account identities with provider reference, currency, active state and borrower owner.
Linked to Borrowers
- Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Borrowers
Borrower parties with identity, contact, eligibility note and organization scope.
Linked to Organizations - Organizations
Lending organizations that scope borrowers, team members and applications.
- Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Underwriting reviews
Underwriting reviews linked to a loan application and organization.
Linked to Loan applications, Organizations - Review decisions
Reviewer decisions recorded with the application source revision, outcome and reason.
Linked to Loan applications, Team members - Operation receipts
Operation receipts with stable operation keys and references for recorded effects.
Linked to Loan applications
- Underwriting reviews
Underwriting reviews linked to a loan application and organization.
Linked to Loan applications, Organizations - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Review decisions
Reviewer decisions recorded with the application source revision, outcome and reason.
Linked to Loan applications, Team members - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Record attachments
Supporting documents attached to a banking instruction.
Linked to Loan applications, Team members - Application evidence
Evidence lines attached to a loan application: document type, provider reference, received date and verification state.
Linked to Loan applications
- Application evidence
Evidence lines attached to a loan application: document type, provider reference, received date and verification state.
Linked to Loan applications - Record attachments
Supporting documents attached to a banking instruction.
Linked to Loan applications, Team members - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Review decisions
Reviewer decisions recorded with the application source revision, outcome and reason.
Linked to Loan applications, Team members - Operation receipts
Operation receipts with stable operation keys and references for recorded effects.
Linked to Loan applications - Team members
Preparers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations
- Loan accounts
Loan account identities with provider reference, currency, active state and borrower owner.
Linked to Borrowers - Disbursements
Disbursement and account movement lines posted against an approved loan application and loan account.
Linked to Loan applications, Loan accounts - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Borrowers
Borrower parties with identity, contact, eligibility note and organization scope.
Linked to Organizations - Operation receipts
Operation receipts with stable operation keys and references for recorded effects.
Linked to Loan applications - Application evidence
Evidence lines attached to a loan application: document type, provider reference, received date and verification state.
Linked to Loan applications
- Repayments
Provider repayment events received against a loan account, with matching state.
Linked to Loan accounts, Loan applications - Loan accounts
Loan account identities with provider reference, currency, active state and borrower owner.
Linked to Borrowers - Loan account snapshots
Dated provider balance snapshots per loan account, used for servicing and reconciliation.
Linked to Loan accounts - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Disbursements
Disbursement and account movement lines posted against an approved loan application and loan account.
Linked to Loan applications, Loan accounts
- Operation receipts
Operation receipts with stable operation keys and references for recorded effects.
Linked to Loan applications - Loan applications
Loan applications moving through origination, underwriting, approval and disbursement.
Linked to Organizations, Team members, Borrowers - Underwriting reviews
Underwriting reviews linked to a loan application and organization.
Linked to Loan applications, Organizations - Review decisions
Reviewer decisions recorded with the application source revision, outcome and reason.
Linked to Loan applications, Team members - Application evidence
Evidence lines attached to a loan application: document type, provider reference, received date and verification state.
Linked to Loan applications - Loan account snapshots
Dated provider balance snapshots per loan account, used for servicing and reconciliation.
Linked to Loan accounts
Keys and references
The application links to its organization, owner and borrower counterparty. Reviews, decisions, attachments, evidence lines and operation receipts point back to that application. A loan account points to its borrower. Disbursements link the application instruction and account; repayments link the account and matched application. Team membership connects people to users and organizations. Preserve provider event and account identifiers when moving records between systems.
Migration order
- Organizations and people. Load organization scope, user identities and team membership.
- Borrowers. Establish borrower codes and organization links.
- Applications. Import the request, owner, counterparty and revision before child evidence.
- Reviews and evidence. Add underwriting reviews, decisions, attachments, evidence and operation receipts with their parent links.
- Accounts and activity. Add provider account identifiers, disbursements, repayments and dated snapshots.
Set up Lending Platform your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.