The credit platform for dealer lending
Six modules on one data model, from a dealer’s first application to its annual review, plus an API for everything around it.
Dealer onboarding
Applications that arrive complete.
Invite a dealer group and it completes the application in its own portal space, against a checklist you define for each facility type.
- Checklists by facility type
- Companies House details captured once
- Directors and shareholders recorded
- Identity documents per person
- Requests and reminders sent from the portal
- Status of every application at a glance
Credit files
One file the whole deal works from.
Financial statements, credit reference reports, stock audits and analyst notes are attached to the dealer, so every review starts from the last one.
- Three-year financial spread
- Ratios calculated from the figures
- Documents with version history
- Analyst notes beside the numbers
- Earlier conditions carried forward
- Recommended limit and terms
Approvals
Decisions with a record behind them.
Approval routes follow your credit policy. Limits above a mandate go to the right approver automatically, and every sign-off is timestamped.
- Routes by limit size or facility type
- Four-eyes sign-off
- Conditions recorded with the decision
- Facility letters from approved terms
- Declines recorded with reasons
- Immutable audit log
Facility management
Every live limit on one grid.
See limits, drawn balances and headroom for every dealer, filter by relationship manager or region, and act on requests without leaving the grid.
- Several facilities per dealer group
- Expansion requests from dealers
- Temporary limit increases with expiry
- Changes logged with reasons
- Suspend or close with a record
- The facility in focus always marked
Monitoring and reviews
Nothing passes its date unnoticed.
Utilisation thresholds, stock audit schedules and annual review dates are tracked against each facility, and the right person is told in time.
- Utilisation thresholds you set
- Stock audit scheduling and notes
- Annual review dates from terms
- Reminders to analyst and RM
- Overdue items visible to managers
- Covenant and condition tracking
Reporting
Your book, without the spreadsheet.
Portfolio reporting that stays current because it reads from the same records your team works in.
- Exposure by dealer, type and region
- Approval volumes and turnaround
- Utilisation trends
- Reviews due and overdue
- Exports for finance and funders
- Scheduled reports by email
API and integrations
Built to sit inside your stack.
Everything you can do in Sterlingrid, your systems can do through the API.
- REST API with scoped keys. Dealers, facilities, documents, decisions and reviews.
- Signed webhooks. Events for approvals, limit changes, uploads and due dates.
- Identity. SAML 2.0 and OpenID Connect single sign-on.
- Data out. Scheduled exports to your warehouse or reporting tools.
Need a specific connection to your loan management or accounting system? Ask us what is available today.
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" }
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