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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. The lifecycle runs from the loan product definition, through origination and disbursement, to servicing, repayment, and audit-ready history. The journey it runs is consumer credit (CDC). Lerian offers Lender to licensed customers and maintains its repository internally.

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What a credit journey engine is

A credit operation 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. Every contract traces back to the exact product version it used at origination.
  • 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.
  • Accounting: Posting rules that map financial events onto general-ledger accounts, durable posting intents, and accrual runs that recognize interest month by month.
  • 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

Lender has 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 jurisdiction-aware from the start. It has a generic baseline for any market, and a deep Brazilian profile layered on top. The CDC journey maps onto that model. CDC covers fixed-schedule consumer credit, with the disclosures consumer regulation requires. The deepest journey is consignado privado, payroll-deducted lending in Brazil, with its own collateral model 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: Disbursement, interest accrual, and a prepayment settled against a Brazilian prepayment quote record durable posting intents. Those intents follow the accounting profiles and posting rules you configure. Lender relays them to the only when you configure the ledger relay. 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 publish on the platform’s streaming backbone when streaming is enabled and a broker is configured. 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 Brazilian journey: the vocabulary, the collateral model, and averbação.
If you want to talk about credit journeys on the Lerian platform, contact us.