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- P2P Lending Platform
- Data model
The tables behind P2P Lending Platform
P2P 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
- 6
- Change it
- Add fields and tables in Proto
How the model is organised
Parties and access
Organizations scope Borrowers and team members; Users connect to team membership. Loan accounts belong to Borrowers.
Application work
Loan applications link to Organizations, team members and Borrowers. Funding commitments, record attachments, review decisions, application evidence and operation receipts connect to the application.
Account service
Disbursements connect an instruction to loan accounts. Repayment schedules and Repayments connect to loan accounts; a matched Repayments row also points to loan applications.
Reference values
Exchange rates provide effective currency rates for the operating context.
Every table, by feature
- Borrower and organization records6
- Loan applications7
- Funding commitments6
- Independent review6
- Disbursement and accounts8
- Repayment servicing7
- Organizations
Organizations whose lending and servicing operations are run in this app.
- Borrowers
Borrowers eligible for loan applications and lender funding commitments.
Linked to Organizations - Team members
Credit officers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Users
Users
Linked to Users - Loan accounts
Loan accounts serviced for a borrower.
Linked to Borrowers - Exchange rates
Read-only effective exchange rates for this app.
- Loan applications
Loan applications moving through recording, independent credit review and approval or decline.
Linked to Organizations, Team members, Borrowers - Borrowers
Borrowers eligible for loan applications and lender funding commitments.
Linked to Organizations - Organizations
Organizations whose lending and servicing operations are run in this app.
- Team members
Credit officers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members - Application evidence
Supporting evidence recorded against a loan application, with validity and verification.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications
- Funding commitments
Lender funding commitments recorded against a loan application.
Linked to Loan applications, Organizations - Loan applications
Loan applications moving through recording, independent credit review and approval or decline.
Linked to Organizations, Team members, Borrowers - Organizations
Organizations whose lending and servicing operations are run in this app.
- Review decisions
Independent credit approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications
- Review decisions
Independent credit approver decisions recorded against a frozen application revision.
Linked to Loan applications, Team members - Loan applications
Loan applications moving through recording, independent credit review and approval or decline.
Linked to Organizations, Team members, Borrowers - Record attachments
Supporting documents attached to a loan application.
Linked to Loan applications, Team members - Application evidence
Supporting evidence recorded against a loan application, with validity and verification.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Team members
Credit officers, approvers, auditors and administrators working in the organization.
Linked to Users, Organizations
- Disbursements
Disbursement amounts recorded against a loan application and its loan account.
Linked to Loan applications, Loan accounts - Loan applications
Loan applications moving through recording, independent credit review and approval or decline.
Linked to Organizations, Team members, Borrowers - Loan accounts
Loan accounts serviced for a borrower.
Linked to Borrowers - Borrowers
Borrowers eligible for loan applications and lender funding commitments.
Linked to Organizations - Repayment schedules
Dated loan amount rows scheduled against a loan account for servicing and reconciliation.
Linked to Loan accounts - Application evidence
Supporting evidence recorded against a loan application, with validity and verification.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Exchange rates
Read-only effective exchange rates for this app.
- Repayments
Source-identified provider receipts matched against loan applications.
Linked to Loan accounts, Loan applications - Loan accounts
Loan accounts serviced for a borrower.
Linked to Borrowers - Loan applications
Loan applications moving through recording, independent credit review and approval or decline.
Linked to Organizations, Team members, Borrowers - Repayment schedules
Dated loan amount rows scheduled against a loan account for servicing and reconciliation.
Linked to Loan accounts - Application evidence
Supporting evidence recorded against a loan application, with validity and verification.
Linked to Loan applications - Operation receipts
Idempotent operation receipts with stable operation keys and actual effect references.
Linked to Loan applications - Borrowers
Borrowers eligible for loan applications and lender funding commitments.
Linked to Organizations
Keys and references
Use each application’s record number for human discussion and its record identity for references. Provider instruction ID, provider application ID, provider event ID, provider snapshot ID and external account ID carry external identities in their respective records. An operation key distinguishes a repeat of the same action. Keep these values with the source record so a retry or correction can be checked against the original effect. Review decisions.source revision and operation receipts.expected revision connect decisions and actions to the application version considered at the time.
Migration order
- Load Organizations and Users, then assign team members to organizations.
- Load Borrowers and their borrower-owned loan accounts, checking organization and provider identities.
- Load loan applications with their owners and counterparties, followed by record attachments and funding commitments.
- Bring in review decisions, application evidence and operation receipts with their original revision and source references.
- Load Disbursements, repayment schedules and Repayments against the verified instruction and account links; add exchange rates as reference data.
Set up P2P Lending Platform your way.
Start free, then use Proto to change fields, steps and approvals before your team goes live.