Commercial lending digitisation

Commercial lending is structurally different to retail, and the operating models that worked for retail don’t transfer. The teams making real progress build around case management, codified delegated authority, and evidence captured by default at every step.

Why commercial is different

Multi-entity deals and bespoke structures

Group, trust, and SPV relationships make commercial deals structurally different to retail.

Exception-heavy, document-heavy evidence

Case management, not linear flow, is the only workable backbone for the volume of evidence.

Delegated authorities and approval chains

Authority is layered, conditional, and product-specific. Workflow has to mirror this.

Patterns that work

1. 01

   Adopt case-based workflow with clear queues, SLAs, and escalation paths.

2. 02

   Drive policy via rules with controlled overrides and four-eyes approval where required.

3. 03

   Capture integration traceability and audit trails as evidence for every decision.

Related reads

• Commercial banking solutions
• UBOO blueprint

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