Keep lending decisions and servicing evidence together.
Organizations record borrowers, team members and loan accounts before a Credit Officer prepares a loan application. Each application has an owner, borrower, requested amount and revision.
From application to serviced loan ships ready to use. 2 steps need a named approval before the work moves on: Review application (Independent Credit Approver) and Review commitment (Independent Credit Approver).
Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.
Prepare application
Record the borrower, amount, owner and documents for review.
Everyone opens P2P Lending Platform to the work that is theirs. Pick a role to see what it starts with.
Credit Officer
Prepare assigned operational records and execute eligible reviewed actions. Own organization and draft scope only; accepted, posted and provider evidence is read-only; guarded workflows authorize every transition.
This is the first screen this role sees.
OverviewApplications in review or pending×
Applications in review or pending
Loan applications · Credit Officer
Review3
Bakery equipment expansionLA-12333
910FA
29 Oct
Delivery van purchaseLA-49766
320MC
25 Oct
Seasonal inventory financingLA-33972
910MC
31 Oct
Add
Pending3
Neighborhood clinic fit-outLA-66648
880AB
19 Oct
Workshop machinery upgradeLA-29115
760EM
30 Oct
Café patio renovationLA-63472
210RS
11 Oct
Add
Example screen with sample data
Auditor
Read authorized evidence and reports in a scoped, read-only audit view. No record writes and no action execution.
This is the first screen this role sees.
OverviewConfirmed applications×
Confirmed applications
Loan applications · Auditor
Record number
Subject
Status
Confirmed at
Value date
Provider instruction ID
LA-37304
Bakery equipment expansion
Confirmed
24 Oct
26 Oct
DISB-2026-0311
LA-57406
Neighborhood clinic fit-out
Confirmed
01 Nov
06 Nov
DISB-2026-0312
LA-64757
Delivery van purchase
Confirmed
27 Oct
03 Nov
DISB-2026-0313
LA-91175
Workshop machinery upgrade
Confirmed
19 Oct
27 Oct
DISB-2026-0314
LA-44800
Seasonal inventory financing
Confirmed
12 Oct
16 Oct
DISB-2026-0315
6 of 6 records
Example screen with sample data
App Administrator
Maintain organization configuration and membership. Administrative membership does not confer approval, financial or execution authority and cannot grant an independent reviewer entitlement.
This is the first screen this role sees.
OverviewBorrowers in scope×
Borrowers in scope
Borrowers · App Administrator
Name
Code
Active
Contact name
Eligibility note
Organization
Willowbend Bakehouse
BOR-2026-0211
Yes
Amira Solis
Two years of trading history verified
Brookvale Funding Partners
Northfield Care Collective
BOR-2026-0212
Yes
Daniel Okoro
Tax returns received and reviewed
Northmere Loan Services
Cedar Route Deliveries
BOR-2026-0213
Yes
Priya Marquez
Director guarantee on file
Summit Vale Credit Exchange
Mariner Woodworks
BOR-2026-0214
Yes
Leo Haddad
Cash flow supports proposed installment
Riverbend Funding Network
Briarwell Outfitters
BOR-2026-0215
Yes
Nina Caldwell
Awaiting updated bank statements
Harborline Lending Cooperative
6 of 6 records
Example screen with sample data
Independent Credit Approver
Review eligible application revisions independently and reconcile operational evidence. Approve or reject through guarded actions only; no unrestricted editing of protected or executed records; a reviewer cannot approve their own submission.
This is the first screen this role sees.
OverviewApplications in review or pending×
Applications in review or pending
Loan applications · Independent Credit Approver
Review3
Bakery equipment expansionLA-12333
910FA
29 Oct
Delivery van purchaseLA-49766
320MC
25 Oct
Seasonal inventory financingLA-33972
910MC
31 Oct
Add
Pending3
Neighborhood clinic fit-outLA-66648
880AB
19 Oct
Workshop machinery upgradeLA-29115
760EM
30 Oct
Café patio renovationLA-63472
210RS
11 Oct
Add
Example screen with sample data
Admin
Maintains platform access and reads organization records without granting credit approval authority.
View Organizations, team members, Users, loan applications
Ask Proto to prepare lending records and surface evidence for the person who decides.
It can
Credit Officer: Prepare an application from confirmed borrower details, show its current revision and collect the supporting attachments for review.
Independent Credit Approver: Present the submitted revision, decision history and relevant evidence before the approver records a reasoned decision.
Independent Credit Approver: Compare a provider receipt's amount, date and account with a confirmed instruction and show the source record when values differ.
Auditor: Trace an application through its decision, provider event and operation receipt without changing the record.
Stays with a person
Proto can organize the case and explain the recorded differences.
The Independent Credit Approver still makes the credit decision.
Provider confirmation comes from the provider event, and a disputed effect must be checked against persisted records before completion.
The organization determines who may act in each scope.
Start with one team and one process, then add the rest once the basics are running.
Establish parties
Set the operating organization, active team members, borrowers and known loan accounts. Confirm provider account identities and currency conventions.
Configure decisions
Assign Credit Officer and Independent Credit Approver access. Agree the application and commitment evidence required for a review, and rehearse a return and a rejection.
Connect provider evidence
Map instruction references, confirmation events, repayment receipts and dated account snapshots. Decide how repeated events and late responses are identified.
Rehearse a full case
Prepare and approve an application, submit it once, verify provider confirmation, connect its disbursement, and compare a receipt with the account and confirmed instruction.
Review exceptions
Try a changed revision, self-approval, repeated provider event, mismatched repayment date and missing local effect. Keep each unresolved item visible to the right reviewer.
Click Get started, then use Proto to configure p2 P Lending Platform for your business. Pilot one organization, a borrower with a known loan account, one independent reviewer and a representative provider response before expanding the operating scope.
Who prepares a loan application?
Credit Officer records the borrower, owner, requested amount and supporting documents, then sends the current revision for review.
Who decides whether an application is approved?
Independent Credit Approver makes a reasoned decision on the submitted revision. The preparer cannot approve their own work.
How are lender commitments tracked?
A funding commitment links a lender reference and initial deposit amount to an application and organization. It has its own submission and decision state, followed by provider authority for completion.
Does approval mean the provider has confirmed the loan?
An authorized application is ready for provider submission. The team checks the provider's confirmation or settlement evidence before marking the application confirmed.
How are disbursements connected to accounts?
Each disbursement links its amount and direction to the application instruction and a borrower-owned loan account.
How are repayments matched?
The reviewer compares the provider receipt with a confirmed application on the same account. The amount and occurrence date must match exactly.
What happens to a repayment that differs?
Its source event remains available in an unmatched or exception state for investigation. The team can compare the account snapshot, instruction and provider evidence before resolving it.
How do we avoid repeating a provider action?
An operation receipt retains a stable key, expected revision and effect references. The team checks the existing result before retrying or completing an action.
Can an auditor change decisions?
Auditor access is read-only for assigned records and reports. Decision and execution authority stays with the operational roles.
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