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Lender is Lerian’s credit journey engine. It gives financial institutions one product to run the full lifecycle of a credit operation — from defining the loan product, through origination and disbursement, to servicing, repayment, and audit-ready history. Lender spans three credit journeys: consumer credit (CDC), business lending (PJ), and cards. Lender is available to licensed customers; its repository is maintained internally.

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What a credit journey engine is

A credit operation is not a single event — it is a journey that spans months or years and touches many teams. A credit journey engine manages that journey end to end:
  • Product definition: Loan products with versioned terms, charges, and rate configurations, so every contract traces back to the exact product version it was originated under.
  • Origination: Application intake, approval or rejection decisions, disbursement, schedule preview, and the regulatory disclosures the jurisdiction requires.
  • Servicing: Active contract schedules, repayment recording, prepayment, rescheduling, and corrections — with reversals and replays that keep history consistent.
  • Portfolio visibility: Dashboards over the active book, including delinquency views.
  • Audit: An immutable of every lifecycle event, preserved for compliance.
Most institutions assemble this from separate systems — a product catalog here, an origination tool there, servicing in the core, spreadsheets in between. Lender’s premise is that the journey belongs in one engine, with one consistent history.

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The five domains that ship today

Under the hood, Lender is organized into five bounded domains. Every credit journey — whatever the product — flows through them: Start with Core concepts for the vocabulary, then follow the guides for each domain.

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Jurisdiction-aware, Brazil first

Credit rules differ by jurisdiction, so Lender is built jurisdiction-aware from the start: a generic baseline for any market, and a deep Brazilian profile layered on top. The three credit journeys map onto that model: The deepest journey shipped today is consignado privado — payroll-deducted lending in Brazil, with active origination (contratação ativa), CCB generation and signing, and averbação lifecycle tracking. See Consignado privado. For everything the Brazilian profile adds — CET disclosure, IOF preview, capitalization consent, PDD staging, and more — see the Brazil regulatory pack.

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How Lender composes with the platform

Lender is a Lerian primitive: it runs on the platform rather than beside it.
  • Ledger: Every financial event a credit journey produces — disbursement, repayment, accrual, reversal — books to the through configurable accounting profiles and posting rules. The ledger stays the source of truth for balances; Lender stays the source of truth for the credit journey.
  • Multi-tenancy: Like every Lerian product, Lender is built for full tenant isolation from the ground up.
  • Events: Lifecycle events are published on the platform’s streaming backbone, so downstream products and your own services can react to the credit journey as it unfolds.
  • Observability: Structured logs, traces, and metrics on the same observability stack as the rest of the platform.
See Lender in the platform for the posting path, the event catalog, and tenant isolation.

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Next steps

Core concepts

Learn the vocabulary: loan products, accounting profiles, applications, loan accounts, accrual runs, and the Brazil terms.

Lender in the platform

See how Lender posts to the , emits events, and isolates tenants.

Originate a loan

Walk an application from intake through preview, approval, and disbursement.

Consignado privado

Explore the flagship Brazilian journey: contratação ativa, CCB, and averbação.
If you want to talk about credit journeys on the Lerian platform, contact us.