Trakt for specialist lending

One governed portfolio dataset. Every book, every report.

Trakt turns loan tapes, servicing extracts, valuations and funding data into one governed model.

Every figure is reconciled by construction rather than by comparison.

  • Deterministic engine — same question, same number, every channel
  • Traceable lineage — every published figure ties back to source
  • Client-isolated environments and controlled data handling
Explore the live demoBook a portfolio walkthrough

Any number of books — direct originations, acquired back books, sponsored securitisations — held in one governed model, each reportable on its own and in aggregate.

The platform

Capabilities on one governed layer

  • Portfolio analytics and monitoring

    Dashboards, cohorts, concentrations, drill-through and limit monitoring, funded book and pipeline.

  • Management reporting

    Recurring management information, and one consistent answer across finance, risk and operations.

  • Investor reporting

    Investor and funding-partner packs, with stratifications and commentary.

  • Regulatory reporting

    ESMA Annex 2 and Annex 12 output, field-validated and built into submission-ready XML.

  • Governance and audit

    Lineage from source header to published figure, with validation evidence and reproducible runs.

Delivery model

Every mode reads the same governed layer

Available today

  • Managed service

    Recurring reporting, regulatory output and governance artefacts, produced with no user interaction.

  • Trakt Agent workspace

    The full analytical environment: dashboards, charting, drill-through and portfolio investigation.

  • Microsoft 365 Copilot and Teams

    Portfolio questions and artefact requests inside the tools your teams already use.

Roadmap

  • Enterprise agent deployment

    Trakt running inside a client's own agent estate.

  • Agent-to-agent integration

    Upstream and downstream systems consulting the governed layer directly.

The answer is calculated once and distributed; the channel never changes it. Deployments are isolated per client behind Microsoft Entra ID, with retention and document delivery set at onboarding.

How it works

One calculation, governed centrally

  1. Step 1

    Source data and documents

    Loan tapes, servicing extracts, valuations and facility documents, in whatever shape they arrive.

  2. Step 2

    Trakt governed data layer

    Mapped to a canonical model, typed, enriched and validated — with the evidence retained.

  3. Step 3

    Analytics and business rules

    Deterministic metrics, stratifications, cohorts, concentration measures and regulatory rules.

Where it applies

Built for the portfolio lifecycle

  1. Onboard

    Launch or acquire a book, standardised into the governed model without building another reporting stack.

  2. Run

    Monitor performance, answer management questions and automate recurring information.

  3. Finance

    Warehouse, investor and lender reporting, through to securitisation and refinancing, from controlled portfolio data.

  4. Exit

    Prepare validated datasets, stratifications and portfolio reporting for sell-side mandates.

Example

Ask a portfolio question. Get a governed answer.

Three governed books across two reporting periods, answered by the deterministic engine that serves the workspace and Microsoft 365 Copilot. The portfolios are wholly synthetic, and the page accepts no uploads.

Alderbridge Lending Platform

Three governed books · UK asset-backed portfolio · 118 exposures · £37,270,061 as at 30 June 2026

Synthetic data

Try one of these

Trakt declines what it cannot derive.

Try or to see how.

See Trakt applied to your operating model

We will demonstrate Trakt against your own portfolio data, reporting requirements and Microsoft 365 environment.