LendX OS · Pillar hub
Banks built pillars around their own constraints — term loans, equipment finance, commercial property, working capital. LendX OS rebuilds each one for the broker-direct era: direct underwriting, vertical specialism, and a product shell a UK SME can actually use in days, not quarters.
The pillars, rebuilt
High-street banks partition lending into four pillars — business term loans, equipment finance, commercial property, and working capital. Each one sits behind a Lombard / ALD delegation chain, a six-week credit committee, and a quote sheet a broker can't actually fill in. LendX OS takes the same four pillars and rebuilds them on top of three vertical-specific surfaces: /business-plan for SME consulting, /deal-financing for vendor-finance M&A, and /haulage-finance for HGV, van and fleet asset finance. Same underwriting rigour, broker-direct from application to drawdown.
LendX OS vertical surfaces
Each pillar pulls from the same LendX OS application pipeline — diagnostics, documents, affordability — and surfaces a lender-ready product in under five minutes.