Ned: Infrastructure for Cash-Flow Driven Lending
A lending infrastructure platform that helps banks, credit unions, CDFIs and fintech lenders manage origination, underwriting, servicing, repayments and portfolio risk using real-time business cash flow data.
Visit nedhelps.com ↗Basic Information
| Field | Detail |
|---|---|
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Company Name
|
Ned |
|
Legal Entity
|
Round Hill Technologies Inc. d/b/a Ned |
|
Category
|
Fintech & Lending Infrastructure |
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Subcategory
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Loan Management, Cash Flow Intelligence & Lending Automation |
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Product
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Cloud-based loan management and portfolio management platform |
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Latest Funding
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$4.2 million · Seed · October 2024 |
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Founders
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David Silverstein & Mayur Motgi |
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CEO
|
David Silverstein |
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Chief Product Officer
|
Mayur Motgi |
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Customers
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Banks, credit unions, CDFIs, fintech and non-bank lenders |
|
Website
|
nedhelps.com ↗ |
What Ned Does
Ned provides a cloud-based lending platform that helps financial institutions launch and manage small-business and commercial lending programs. Its platform connects real-time financial and transaction data with workflows spanning origination, underwriting, servicing, repayment and portfolio reporting.
Key Capabilities
- Real-time cash flow underwriting
- Automated loan servicing and repayments
- Portfolio oversight and risk monitoring
- White-label borrower application experiences
- Lines of credit and revenue-based financing support
Why It Matters
Ned is built around the idea that lenders can make better decisions when they continuously see how a business is performing rather than relying primarily on static financial documents. Its platform keeps cash flow intelligence connected to the borrower throughout the life of the loan.
Ned at Scale
5×
Faster Pre-Qualification
Ned says its live cash flow checks can help lenders pre-qualify borrowers up to five times faster than traditional workflows.
50%
Potentially Faster Underwriting
Ned says its live underwriting platform can reduce underwriting time by up to 50% by replacing slower document-driven processes with current cash flow data.
Billions
Cash Flow Data
Ned says its proprietary risk models are trained on billions in borrower cash-flow data to identify emerging financial stress.
Lending Platform
Origination & Underwriting
Borrowers can apply through a white-label portal and connect their financial accounts. Ned uses live cash flow data and configurable credit policies to help lenders evaluate repayment capacity, structure loans and make faster credit decisions.
Servicing & Repayments
Ned automates repayment workflows, borrower notifications and balance updates. Its platform checks available funds before scheduled ACH debits and supports workflows for failed payments and re-initiation.
Portfolio Oversight
Lenders can monitor individual loans and broader portfolio trends through live cash flow analytics. Ned’s current platform is designed to surface stress trends before they become larger portfolio problems.
Cash Flow Intelligence
Live Business Data
Businesses connect their bank accounts through open banking integrations. Ned analyzes deposits, expenses, seasonality, revenue trends, cash runway, volatility and category-level spending.
Predictive Risk Signals
Ned’s proprietary models analyze transaction data to identify signs of cash stress. Its newer Cash Shortfall capability is designed to help lenders identify potential zero-balance events before they occur.
Continuous Monitoring
The same cash flow intelligence used during underwriting can continue after funding, allowing lenders to monitor changes in borrower performance instead of waiting for periodic portfolio reviews.
Lending Products
Loans
Fixed-Term Lending
Support for fixed-term loans with scheduled repayments and configurable underwriting and servicing logic.
LOC
Lines of Credit
Flexible credit lines with utilization-based repayment and live cash flow visibility.
RBF
Revenue-Based Financing
Financing structures that connect repayment to a borrower’s revenue and cash flow performance.
Funding Journey
2023
Pre-Seed
$1.6M
Early funding supporting Ned’s development of infrastructure for cash-flow driven lending.
October 2024
Seed
$4.2M
Seed round announced exclusively through Axios. Ned described the funding as supporting its lending infrastructure platform.
2025
Platform Expansion
—
Expanded its focus across portfolio management, servicing, monitoring and cash-flow intelligence.
2026
Portfolio Intelligence
Live
Current platform emphasizes portfolio oversight, servicing, monitoring and predictive cash-flow risk.