Ned

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What is Ned?

Ned is a cloud-based loan management platform that helps banks, credit unions, and mission-driven lenders launch and scale small business and commercial lending programs. By connecting directly to real-time financial and transaction data, Ned gives lenders a continuously updated view of borrower performance across origination, underwriting, servicing, repayment, and reporting. The white-label platform can be deployed end-to-end or modularly to fit each lender’s workflow.

Who uses Ned?

Community and regional banks, Credit unions and CDFIs, Fintech and non-bank lenders. These institutions use Ned to modernize lending, accelerate decisions, and maintain relationship-focused service.

What loan products does Ned support?

Fixed-term loans with scheduled repayments
Lines of credit with utilization-based repayment
Revenue-based financing tied to borrower cash flow

Does Ned allow us to run multiple loan programs at once?

Yes. Ned can run multiple loan programs with different underwriting rules and servicing logic at the same time. As well, lenders can configure multiple intake and application flows for different lending products, all within one platform.

Is Ned white-label?

Yes. Ned is white-labeled and becomes your digital lending experience. Your branding, credit policy, borrower messaging, disclosures, and borrower portal are front and center. Ned powers the infrastructure, automation, and intelligence behind the scenes.

Do borrowers have access through Ned?

Yes. Borrowers log into a secure portal where they can:

Complete loan applications and qualification activities
Upload documents and electronically sign agreements
Track status in real time and see what’s needed next
View balances, repayment history, and amortization schedules
Export relevant data or documents they need for their records
Communicate directly with your team through secure messaging

How does cash flow intelligence work on Ned?

Borrowers securely connect all relevant bank accounts to Ned via open banking integrations.
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Ned automatically assesses transaction and category data and analyzes:
Deposit and expense patterns
Seasonality and revenue trends
Cash runway, burn rate, and volatility indicators
Category-level spending (e.g., payroll, rent, inventory)
Transaction-level detail when deeper review is needed

Both lenders and borrowers see the same cash flow intelligence creating a shared, real-time view of business health that goes far beyond traditional credit scores.

Can we use our own credit policy or underwriting models?

Yes. Lenders can configure their own credit policy, eligibility criteria, and underwriting logic directly in Ned. You can define rules, required documents, and qualitative factors. Ned applies your criteria automatically to each application, helping the team to accelerate decisions.

How does Ned support regulatory compliance?

Ned is built with compliance in mind. The platform maintains audit trails and granular access controls while allowing disclosures to be delivered and made visible to borrowers. Lenders retain full visibility into what was shared, when, and with whom, creating a clear, defensible record.

Is Ned secure?

Yes. Ned is SOC 2 compliant and uses enterprise-grade security controls. Data is encrypted in transit and at rest, role-based permissions ensure the right level of access for each user, and detailed logs maintain a record of activity.

Who owns the data?

You do. Clients control retention, export, and deletion. Ned processes that data solely on your behalf to support lending activities and does not sell, share, or use the data for any other purpose.

How does Ned handle repayments?

Repayment is automated through out-of-the-box ACH. Lenders configure the repayment structure, and Ned executes it. Before every debit, Ned performs an automated balance check to confirm sufficient funds. If funds are low, Ned notifies both lender and borrower and provides tools to re-initiate payment. If a payment does not clear, Ned triggers failed repayment workflows and escalates communication.Throughout repayment, both lenders and borrowers have real-time visibility into balances, upcoming debits, and payment history, keeping everyone aligned and connected after the close.

Does Ned automate servicing tasks?

Yes. Communication, payment handling, borrower notifications, and ongoing monitoring can be automated.

Does Ned support APIs?

Ned’s upcoming API suite will provide secure, token-based access for lenders to connect Ned data with CRMs, analytics tools, and reporting systems. It will also enable Zapier-style automations, allowing lenders to trigger workflows from external events while maintaining strict access controls.

How long does implementation take?

Most institutions launch in 4 to 8 weeks with guided onboarding. The timeline depends on your urgency and capacity. Ned moves at your speed and accommodates accelerated implementations when needed.

What onboarding support is included?

Every new customer receives a guided onboarding experience.
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Ned provides:
A dedicated implementation manager to lead setup and configuration
‍Admin and team training so everyone is comfortable using the platform
‍Best-practice playbooks based on real lender implementations
‍Ongoing support through ticketing
‍Premium support options for faster response times and high touch assistance.

Ned stays hands-on from kickoff through go-live to ensure your team is confident and fully enabled.

How is Ned priced?

Ned charges monthly SaaS fees with a one-time implementation and setup. Pricing includes all integrations out of the box, and Ned does not pass through third-party integration costs to customers. Pricing depends primarily on user seats and can be provided upon request.

Why lenders choose Ned?

Ned is purpose-built for lenders who need speed, clarity, and control.

‍Designed for cash-flow and revenue-based lending — structured for modern loan products, not legacy collateral models
‍Unified origination and servicing — one platform from application to repayment
‍Real-time cash flow visibility and portfolio intelligence — see performance as it happens, not after the fact
‍Modern borrower experience under your brand — intuitive, mobile-friendly, white-labeled
‍Compliance-ready — audit trails, disclosure capabilities, and secure data management
‍Scales with your growth — modular, configurable, and built to expand as your lending evolves
‍Transparent, predictable pricing — monthly SaaS fees, no hidden integration costs

Ned helps lenders move faster, stay connected to borrowers, and manage portfolios with confidence.

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