United
Fintech has taken full ownership of Trade Ledger, an AI-focused lending
automation platform that counts Barclays and Bank of Queensland among its
clients.

United Fintech Acquires
Trade Ledger in All-Share Deal

The
transaction, structured as an all-share deal, brings Trade Ledger’s commercial
lending technology into United Fintech’s commercial banking division. Trade
Ledger’s founding team exchanged their equity for shares in the acquiring
company and will continue running the business under its existing brand.

The
London-based target company built its platform around automated loan
origination and underwriting processes. Banks using the system can process
commercial lending applications through AI-driven workflows rather than manual
review processes.

“Trade
Ledger CEO and Co-Founder Martin McCann and his team have built exceptional
technology that transforms lending into a real-time, data-driven experience for
customers,” Christian Frahm, who founded United Fintech in 2020, said.

Second Banking Technology
Purchase This Year

United
Fintech bought CBA earlier in 2025, adding payments and trade finance tools to
its portfolio. The Trade Ledger deal extends that commercial banking footprint
into lending operations.

Frahm added
that combined technologies create what he described as comprehensive digital
infrastructure for commercial banking operations. The group now offers tools
spanning lending, trade finance and payments.

Banks have
been seeking automation tools for credit decisions and workflow management,
particularly as AI capabilities advance. United Fintech positions itself as an
aggregator of fintech solutions, letting financial institutions access multiple
tools through a single procurement relationship.

Platform Retains
Independence Within Buyer’s Structure

Trade
Ledger will keep its leadership team and operate as a distinct unit. McCann
remains CEO and cited the acquisition as a path to faster scaling than the
company could achieve independently.

“By
becoming part of United Fintech, we gain the expertise, scale, and global reach
to accelerate that vision and deliver impact faster than we could alone,”
McCann said.

The
Sydney-founded company, which relocated its headquarters to London, launched in
2016. Its platform uses proprietary data models to handle portfolio management
alongside the origination and underwriting functions.

United
Fintech’s investor base includes BNP Paribas, Citi, Danske Bank and Standard
Chartered. The company acquires and integrates fintech products, then offers
them to financial institutions through its ecosystem model.

Financial
terms beyond the share-exchange structure were not disclosed.

This article was written by Damian Chmiel at www.financemagnates.com.

—

— CONTENT NOT MODERATED BY G6

— Please be careful with this content. If you don’t think it should be here, please get in touch with us at [email protected]