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Lender

transactional services · POST /v1/loans

The credit journey engine: it runs the full lifecycle — product, origination, servicing, accounting and audit — for consumer credit (CDC), business lending and cards.

Talk to an engineerLender documentation

POST /v1/loans

{ "product": "consignado", "value": 780000 }

→ ccb ok signed

→ averbação ok dataprev

201 created · every event in the ledger

what it is

Lender is Lerian's credit journey engine. It runs the full lifecycle of a credit operation — from defining the product, through origination and disbursement, to servicing, repayment and an audit-ready history. It covers three journeys: consumer credit (CDC), business lending and cards.

Most institutions assemble this from separate systems — a product catalogue, an origination tool, servicing in the core, spreadsheets in between. Lender's premise is that the journey belongs to a single engine, with a single consistent history. Jurisdiction is a foundational concept in the engine: a generic core, with a deep Brazilian profile on top.

capabilities

  • 01Products: versioned loan products, charges, rate tables and accounting profile.
  • 02Origination: proposal, approval or decline, disbursement, schedule preview and regulatory disclosures.
  • 03Servicing: schedules, repayments, early payoff, rescheduling and corrections by reversal.
  • 04Accounting: accounting profiles and posting rules that tie every event to the ledger.
  • 05Portfolio and audit: portfolio and delinquency dashboards with an immutable trail.
  • 06Jurisdiction at the base: generic core + Brazilian profile (CET, IOF, PDD).

when to use it

  • Private-sector Consignado in Brazil, where installments are deducted from payroll at source: active origination, generating and signing the CCB (Brazil's standard loan note), and registration with the payer — the deepest journey available today.
  • Consumer credit (CDC): loans to individuals on a fixed schedule.
  • Business lending and cards: credit to companies and card-based credit journeys.

On the platform.

Runs on top of the platform: every financial event is booked in the Midaz double-entry ledger through configurable accounting profiles. It publishes lifecycle events to the platform's event backbone and isolates tenants like every Lerian product.

Midaz

everything settles here · double entry · immutable trail

Build with Lender.

Talk to the people who build it — or go straight to the documentation.

Talk to an engineerLender documentation