Credit infrastructure for UK motor finance.
Sterlingrid gives specialty lenders one system for dealer onboarding, credit decisions and facility management, with a portal their dealers actually use.
Every stage of a dealer facility, in one system
Replace the spreadsheet of limits, the shared inbox of documents and the approval chain in email with one record your whole credit operation works from.
Onboarding A1
Invite dealer groups, collect documents against a checklist and see what is outstanding.
Credit files B1
Financials, reports and analyst notes in one file that carries into every review.
Approvals C1
Routes that follow your mandates, with every decision timestamped and attributed.
Facilities A2
Limits, drawn balances and headroom for every dealer, live on one grid.
Monitoring B2
Utilisation alerts, stock audits and review dates that surface before they are due.
Reporting C2
Exposure by dealer, facility type and region, ready for credit committee and funders.
One record, from application to annual review
Follow a single facility through Sterlingrid. Each step builds on the last, so nobody rekeys a figure or hunts for a document.
A shared grid for lenders and the dealers they fund
Your team and your dealers work from the same facility record. Each side sees exactly what it should, and nothing more.
Lender workspace
Credit, risk and operations teams manage applications, decisions and the live book, with a full history behind every limit.
Sterlingrid for lendersDealer portal
Dealer groups apply, upload documents, check their headroom and request more, without phoning their relationship manager.
Sterlingrid for dealer groupsConnects to the systems you already run
A REST API and webhooks keep your loan management, accounting and data warehouse in step with every decision on Sterlingrid.
- REST API. Read and update dealers, facilities, documents and decisions.
- Webhooks. Push events to your systems the moment something changes.
- Single sign-on. SAML 2.0 or OpenID Connect through your identity provider.
- Bulk import and export. Move your book in from spreadsheets and out to your warehouse.
- facility.approved
- facility.limit_changed
- application.document_uploaded
- review.due
GET /v1/facilities/fac_2041_02 Authorization: Bearer sk_live_**************** { "id": "fac_2041_02", "dealer": "Dealer Group B", "type": "stocking", "limit": { "amount": 120000000, "currency": "GBP" }, "drawn": { "amount": 0, "currency": "GBP" }, "status": "approved", "approved_at": "2026-10-09T11:05:00Z", "review_date": "2027-10-09" }
Controls your credit committee and auditors expect
Credit files hold some of the most sensitive information a dealer group has. Sterlingrid is built around access, evidence and residency from the start. Read about security.
UK data residency
Customer data is hosted in UK data centres.
Encrypted throughout
Encrypted in transit and at rest, with daily backups.
SSO and MFA
Sign in through your identity provider, with multi-factor authentication.
Complete audit trail
Every view, change and decision recorded against a named user.
A phased rollout, planned with your team
Your live book keeps moving while we bring it across. A typical plan looks like this, and we agree the details with you.
- Weeks 1 to 2
Map
We map your credit policy, mandates and facility types with your credit and operations teams.
- Weeks 3 to 4
Configure
Approval routes, document checklists, roles and single sign-on are set up and tested.
- Weeks 5 to 6
Migrate
Facilities are imported and reconciled. You sign off a sample against your own records.
- Week 7 onwards
Go live
One team or dealer segment first, then the rest of the book and the dealer portal.
Put your book on the grid
See Sterlingrid with examples shaped around your facilities, your approval mandates and your dealers.
- A 30-minute walkthrough with someone who knows dealer lending
- Your credit process mapped against the platform
- A rollout plan for your live book
- No commitment after the call