Trade Finance Platform runs a lender's trade finance operations from the borrower's application to the last repayment. A Credit Officer records each financing application with the borrower, requested principal, rate and term, and collects the supporting evidence.
Approval conditions
| Record number | Subject | Counterparty | Requested principal USD | Term months | Submitted at | |
|---|---|---|---|---|---|---|
| LA-94922 | Harbor Vale textile import facility | Cedar Ridge Equipment Co. | 490 | 670 | 24 Oct | |
| LA-79355 | Cedar Ridge equipment purchase | Elm Coast Machinery Ltd. | 80 | 470 | 01 Nov | |
| LA-80633 | Bluewater grain shipment finance | Northfield Export Supply Co. | 680 | 710 | 03 Nov | |
| LA-90695 | Marble Gate inventory bridge | Stonehaven Materials Inc. | 820 | 460 | 22 Oct | |
| LA-98322 | Northfield export receivables loan | Bluewater Grain Trading Ltd. | 560 | 860 | 27 Oct |
Credit Approver approves, returns or declines each application version.
Every feature works on the same records. Pick one to see the screen your team works in.
Record each borrower's financing request with terms and evidence, ready for independent underwriting.
Loan applications
| Record number | Subject | Counterparty | Requested principal USD | Annual rate percent | Term months | |
|---|---|---|---|---|---|---|
| LA-20705 | Harbor Vale textile import facility | Bluewater Grain Trading Ltd. | 430 | 84 | 670 | |
| LA-86515 | Cedar Ridge equipment purchase | Northfield Export Supply Co. | 260 | 89 | 330 | |
| LA-35845 | Bluewater grain shipment finance | Bluewater Grain Trading Ltd. | 550 | 92 | 510 | |
| LA-66218 | Marble Gate inventory bridge | Marble Gate Goods Inc. | 850 | 100 | 70 | |
| LA-61366 | Northfield export receivables loan | Elm Coast Machinery Ltd. | 220 | 84 | 840 |
Record independent decisions on each application, credit instrument and servicing change.
Review decisions
| Parent | Source revision | Decision | Reason | Reviewer | Decided at | |
|---|---|---|---|---|---|---|
| Bluewater grain shipment finance | 60 | Approve | Shipment date moved by two weeks | Hana Kim | 23 Oct | |
| Elm Coast machinery import loan | 200 | Return | Rate reset after credit review | Hana Kim | 31 Oct | |
| Elm Coast machinery import loan | 580 | Approve | Invoice discrepancy needs correction | Claire Dubois | 12 Oct | |
| Northfield export receivables loan | 910 | Return | Borrower requested revised schedule | Hana Kim | 27 Oct | |
| Marble Gate inventory bridge | 780 | Approve | Security documents verified | Amara Okoye | 17 Oct |
Approve the credit instrument, record the letter of credit from the bank's receipt and settle documentary drawings.
Approval conditions
| Parent | Applicant | Instrument limit USD | Expires at | Revision | |
|---|---|---|---|---|---|
| Harbor Vale textile import facility | Harbor Vale Textiles Ltd. | 950 | 27 Oct | 800 | |
| Elm Coast machinery import loan | Cedar Ridge Equipment Co. | 530 | 14 Oct | 390 | |
| Suncrest produce shipment loan | Bluewater Grain Trading Ltd. | 200 | 30 Oct | 100 | |
| Cedar Ridge equipment purchase | Marble Gate Goods Inc. | 620 | 27 Oct | 630 | |
| Elm Coast machinery import loan | Northfield Export Supply Co. | 560 | 30 Oct | 400 |
Open funded trade loans from approved terms, record verified disbursements and generate the repayment schedule.
Loan accounts
| Account number | Application | Approved principal USD | Principal disbursed USD | Annual rate percent | Provider account ID | |
|---|---|---|---|---|---|---|
| LA-97925 | Harbor Vale textile import facility | 890 | 930 | 62 | TL-620184 | |
| LA-34532 | Bluewater grain shipment finance | 380 | 260 | 76 | TL-620207 | |
| LA-46258 | Marble Gate inventory bridge | 550 | 720 | 97 | TL-620219 | |
| LA-16483 | Northfield export receivables loan | 750 | 390 | 79 | TL-620244 | |
| LA-55198 | Suncrest produce shipment loan | 70 | 780 | 64 | TL-620281 |
Allocate verified repayments to installments and approve reschedules, rate changes, write-offs and corrections.
Repayments
| Loan | Received USD | Received at | Provider event ID | Verified | |
|---|---|---|---|---|---|
| Cedar Ridge equipment trade loan | 30 | 16 Oct | PMT-2026-70184 | Bank transfer matched | |
| Elm Coast machinery loan | 220 | 21 Oct | PMT-2026-70207 | Amount and date confirmed | |
| Harbor Vale textile import loan | 200 | 23 Oct | PMT-2026-70219 | Remittance advice checked | |
| Elm Coast machinery loan | 50 | 14 Oct | PMT-2026-70244 | Clearing reference matched | |
| Cedar Ridge equipment trade loan | 150 | 15 Oct | PMT-2026-70281 | Second reviewer confirmed |
Keep a receipt of every guarded action and resolve those that are pending, failed or need review.
Operation receipts
| Parent | Action | Operation key | Result state | Occurred at | Failure reason | |
|---|---|---|---|---|---|---|
| Elm Coast machinery import loan | Submit loan application | loan-app-2026-0418 | Pending | 04 Nov | Credit limit exceeded | |
| Northfield export receivables loan | Approve credit decision | credit-issue-2026-0419 | Failed | 16 Oct | Drawing documents incomplete | |
| Harbor Vale textile import facility | Issue letter of credit | drawing-2026-0427 | Needs review | 23 Oct | Duplicate disbursement request | |
| Bluewater grain shipment finance | Accept drawing documents | disburse-2026-0435 | Pending | 30 Oct | Bank confirmation unavailable | |
| Elm Coast machinery import loan | Disburse trade loan | repayment-2026-0442 | Failed | 15 Oct | Repayment amount mismatch |
Trade credit lifecycle ships ready to use. 2 steps need a named approval before the work moves on: Underwrite application (Credit Approver) and Review credit instrument (Credit Approver).
Record the borrower, amount, rate, term and supporting evidence.
An independent approver decides the exact version under review.
Approve the instrument once evidence is verified and the bank has acknowledged it.
Record the credit only from the issuing bank's receipt.
Record each presentation and the bank's decision, within the credit's limit.
Allocate each verified repayment by principal, interest and fees.
Open any loan application to see its credit instruments, the roles that work on it, its process stages and its approvals on one page.
Counterparty, Requested principal USD, Term months and Submitted at.
Each line is linked to this loan application.
Credit Officer, Credit Approver and Trade Operations Officer, each with their own permissions.
Submit application, with the role that acts.
Underwrite application and Review credit instrument, with who decides.
Cedar Ridge Equipment Co.
| Parent | Applicant | Instrument limit USD |
|---|---|---|
| Harbor Vale textile import facility | Harbor Vale Textiles Ltd. | 950 |
| Elm Coast machinery import loan | Cedar Ridge Equipment Co. | 530 |
| Suncrest produce shipment loan | Bluewater Grain Trading Ltd. | 200 |
Signed in as Credit Approver
| Decision | Approver | |
|---|---|---|
| Underwrite applicationAn independent approver decides the exact version under review. | Credit Approver | |
| Review credit instrumentApprove the instrument once evidence is verified and the bank has acknowledged it. | Credit Approver | |
| Approve loan applications, credit instruments, loan changes | Credit Approver |
Everyone opens Trade Finance Platform to the work that is theirs. Pick a role to see what it starts with.
Records financing applications and evidence, submits credit instruments and opens loan accounts with their disbursement and schedule.
This is the first screen this role sees.
Loan applications · Credit Officer
| Record number | Subject | Counterparty | Requested principal USD | Term months | Submitted at | |
|---|---|---|---|---|---|---|
| LA-94922 | Harbor Vale textile import facility | Cedar Ridge Equipment Co. | 490 | 670 | 24 Oct | |
| LA-79355 | Cedar Ridge equipment purchase | Elm Coast Machinery Ltd. | 80 | 470 | 01 Nov | |
| LA-80633 | Bluewater grain shipment finance | Northfield Export Supply Co. | 680 | 710 | 03 Nov | |
| LA-90695 | Marble Gate inventory bridge | Stonehaven Materials Inc. | 820 | 460 | 22 Oct | |
| LA-98322 | Northfield export receivables loan | Bluewater Grain Trading Ltd. | 560 | 860 | 27 Oct |
Independently approves, declines or returns applications, credit instruments and servicing changes.
This is the first screen this role sees.
Loan applications · Credit Approver
| Record number | Subject | Counterparty | Requested principal USD | Term months | Submitted at | |
|---|---|---|---|---|---|---|
| LA-94922 | Harbor Vale textile import facility | Cedar Ridge Equipment Co. | 490 | 670 | 24 Oct | |
| LA-79355 | Cedar Ridge equipment purchase | Elm Coast Machinery Ltd. | 80 | 470 | 01 Nov | |
| LA-80633 | Bluewater grain shipment finance | Northfield Export Supply Co. | 680 | 710 | 03 Nov | |
| LA-90695 | Marble Gate inventory bridge | Stonehaven Materials Inc. | 820 | 460 | 22 Oct | |
| LA-98322 | Northfield export receivables loan | Bluewater Grain Trading Ltd. | 560 | 860 | 27 Oct |
Records letters of credit from the issuing bank's receipt and records documentary drawings and their settlement.
This is the first screen this role sees.
Letters of credit · Trade Operations Officer
Imports verified repayments, allocates them to installments and prepares servicing changes for approval.
This is the first screen this role sees.
Loan accounts · Loan Servicing Officer
Maintains organizations, borrowers, team members and access without taking credit decisions.
Review the application pipeline, decisions, letter of credit exposure, drawings, the loan book and arrears.
This quarter
How far records got this quarter
| Stage | Reached | Step | |
|---|---|---|---|
| Draft | 36 | ||
| Submitted | 18 | 50% | |
| Under review | 10 | 56% | |
| Approved | 7 | 70% |
Sample totals per stage
Count loan applications and total requested principal USD by Status and Owner.
Count review decisions by Reviewer, then by Decision, with reasons.
Total limit USD on letters of credit by Applicant, then by Status.
For each letter of credit, total credit drawings amount USD against limit USD, then each drawing by bank decision.
List Issued and Amended letters of credit by expires at.
Total approved principal USD and principal disbursed USD on loan accounts by Status.
For each loan, compare repayment schedules principal, interest and fee due with repayment allocations, by due date.
List Delinquent loan accounts with principal disbursed and the oldest unpaid installment.
Count loan changes by change type and effective date month.
See how Trade Finance Platform fits your kind of team.
Run letter of credit and trade loan operations for corporate clients with independent credit approval.
Fund pre-shipment and import loans with versioned schedules and verified repayments.
Combine letters of credit and transactional loans for commodity flows with tight expiry and limit control.
Each stage of trade credit lifecycle names the role that acts and the status it records, so a change is never anonymous.
Each stage, the role that acts and the status it records
Prepare and review trade finance applications, credits and loans with Proto.
Set up connections through ERP.AI and Proto workflows, with every change logged.
Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.
Browse all 19 tablesStart with one team and one process, then add the rest once the basics are running.
The scope is trade finance operations: applications, underwriting, credit instruments, letters of credit and drawings, trade loans, schedules, repayments, servicing changes and operation receipts. Banks, payment providers, bureaus and the ledger remain connected systems. Credit policy and pricing stay with the lender; Proto prepares configuration for review.
Bring borrowers, open applications, credits with drawings, and loans with schedule versions and repayments.
Pilot one product for one client segment. Run new applications through underwriting and either issuance or disbursement for a month.
Let evidence expire before review. Approve a revised version after a return. Exceed a credit’s limit. Simulate a disbursement timeout. Import a repayment twice. Reschedule a loan.
Compare limits, principal outstanding and installments due with the source. Obtain the head of credit’s acceptance and agree the rollback window before adding products.
$0per user
The base account and everyday work in the ERP.AI app are free, for every user.
| Usage | Per $1 |
|---|---|
| Record reads (list, filter, get) | 20,000 |
| Search or aggregate queries | 4,000 |
| Record writes | 4,000 |
| Imported or synced records | 200,000 |
| Workflow runs | 2,000 |
| AI agent runs | 2,000 |
| Scheduled jobs or webhooks | 20,000 |
| File uploads (MB) | 2,000 |
| CSV or PDF exports | 100 |
Click Get started, then use Proto to configure Trade Finance Platform for your business. Pilot one product for one client segment: run new applications through underwriting and either issuance or disbursement for a month, then reconcile limits and principal outstanding before adding products.
A Credit Approver independent of the officer approves, returns or declines the exact version under review, with a reason.
Only when the issuing bank's issuance receipt is received. The credit records the bank reference, limit and expiry.
Each presentation records its document set, amount, the bank's decision and settlement date. Total drawings never exceed the credit's limit.
Each verified repayment is imported once and allocated to due installments by principal, then interest, then fees, never beyond the amount received.
Yes. A reschedule, rate change, write-off or correction is approved independently and creates a new schedule version while keeping the earlier one.
Letters of credit and trade loans are the products run here. Guarantees and receivables finance would be configured as an extension with Proto during implementation.
Ordinary manual use has no per-user charge under the platform policy. Imports, integrations, agent execution and other machine work consume prepaid credits; implementation is scoped separately. The pricing page lists the current rates.
Start free, then use Proto to change fields, steps and approvals before your team goes live.