Trove FinanceBusiness systemLending
Every deal, on the record.
Borrowers apply and upload in one place, staff take each deal from intake to settlement, and every decision and payment stays on the record.
- Where it standsPilot, tested end to end on sample data
- Year2026
- What we builtLending workspace and borrower portal
Trove Finance funds small South African businesses through invoice discounting and purchase-order finance, and its checks were done by hand. We built its lending workspace and borrower portal: borrowers apply and upload in one place, staff take each deal from intake to settlement, and every decision and payment stays on the record. It is a pilot, tested end to end on sample data.
Two lending products, checked by hand.
Trove Finance funds small South African businesses in two ways, and its operations and FICA checks were done by hand.
A South African lender
Trove Finance funds small businesses in two ways. With invoice discounting, it advances money against an invoice a business is waiting to be paid.
Paying the supplier
With purchase-order finance, it pays the supplier so a business can deliver an order it has won.
Checked by hand
Trove's operations and FICA checks were done by hand. It wanted one system from the first enquiry through to legal documents and collections, with an auditable trail of every check.
- Manual operationsDay-to-day lending work was run by hand.
- Manual checksFICA checks on companies and the people behind them were done by hand.
Invoice discounting and purchase-order finance each need their own documents, checks and counterparties.
FICA checks need an auditable trail for regulatory reporting.
When money moves, every decision and every correction has to be explainable later.
From request to settlement, in one place.
Put every deal on one record, from the funding request to the last rand repaid, so any decision or payment can be explained later.
Every deal, one record
Put every deal on one record, from the funding request to the last rand repaid.
Explained later
That way, any decision or payment can be explained later, whenever money moves.
01
Before: Work out where each deal stands.
Now: Every request in one register, with its stage and next step.
02
Before: Chase each borrower for what is still missing.
Now: The borrower sees which documents are accepted and which are still missing.
03
Before: Check companies and directors by hand.
Now: Record each check with its evidence, a reference and an expiry date.
04
Before: Make the credit call.
Now: Record the decision with its reason, evidence and conditions. It goes stale if the evidence changes.
05
Before: Correct a wrong entry.
Now: Reverse it with a reason. The original stays in the history.
From request to settled.
Staff move each application through 26 defined stages, and the workspace only allows moves that make sense.
Defined stages
Staff move each application through 26 defined stages, and the workspace only allows moves that make sense. Funding, repayment and settlement stages follow the recorded money, not a dropdown.
Decisions go stale
A credit decision needs a reason and an evidence reference, and it goes stale if the evidence behind it changes.
Held to the cent
Money is held to the cent. Every receipt is split explicitly across principal, fees and interest, and a mistake is corrected with a linked reversal, so the original entry never disappears.
Borrower
Start a funding request, add the company, its people and the invoice or purchase order, and upload the documents.
Trove's team
Review each document and record the company, director and owner checks with their evidence.
Trove's team
Record the credit decision with a reason, an evidence reference and any conditions. Approved terms are saved as a version.
Trove FinanceTakes over here
Funding stays blocked until the terms are approved, the signed agreement is checked and every condition is cleared.
Trove's team
Record the payout with its bank reference. For a purchase order, the supplier is paid.
Trove Finance
Each receipt is split across principal, fees and interest, and the balance, schedule and stage follow the money.
One system, two sides.
Two sides of one system: a lending workspace for Trove's team and a portal where borrowers apply, upload documents and follow their request.
Two sides, one system
A lending workspace for Trove's team and a portal where borrowers apply, upload documents and follow their request.
Both products supported
Both products are supported, each with its own documents and counterparties.
Lending workspace
For trove's teamWeb
Staff take each deal from intake to settlement: the company and its people, the invoice or purchase order, documents, checks, the credit decision, terms, the agreement, funding and repayments.
- 26 stages, with only sensible moves allowed
- Checks with evidence and expiry dates
- Credit decisions with reasons and conditions
- A ledger that keeps every correction
Borrower portal
For borrowersWeb and phone
Borrowers start a funding request, fill in their company details, upload documents and message Trove. Once funded, they see the balance, the repayment date and a statement.
- Start and submit a funding request
- Upload the documents Trove asks for
- Tasks with dates to finish by
- Schedule and statement after funding
Two lending products
Both products are supported, each with its own documents and counterparties.
- 01
Invoice discounting
- 02
Purchase-order finance
What the pilot covers
106 automated tests cover access, documents, money, reversals and reports.
- Borrower portal for requests, documents and messages
- Lending workspace from intake to settlement
- Compliance checks with evidence and expiry dates
- Credit decisions with reasons and versioned terms
- Agreements generated from approved templates
- A ledger with explicit allocations and reversals
Proven end to end, on sample deals.
Both products now run end to end on a hosted test environment, all on sample data.
- Two lending products
- 2
- From request to settled.
- 6steps
Pilot, tested end to end on sample data
Sep 202522 Sep 2026
Dates from our project records and release history.
- then, +12 monthsUpdate
Trove shares its brief for a lending system. A first demo follows.
- then, +1 monthBuild
Pilot build: intake, checks, decisions, agreements, funding and repayments.
- Update
Both products pass full sample journeys on the hosted test environment, with 106 tests.
- Next
Moving from sample data to Trove's own deals.
Dates from our project records and release history.
Both products run end to end on sample data, from a new request to a settled loan.
Money is held to the cent, and a correction is a linked reversal, never an edit.
Borrowers only ever see their own company's requests, files and statements.
106 automated tests cover access, documents, money, reversals and reports.
End to end
Both products now run end to end on a hosted test environment, all on sample data. A new request goes through checks, a decision, an agreement, funding and repayments to a settled loan.
Its own history
Each deal carries its own history: the checks behind it, the reason for every decision, and every rand in and out, corrections included.
The tools behind it.
See the full toolbench- Next.js
- React
- TypeScript
- Convex
- Clerk
- Tailwind CSS
- Vercel
Also in the build: Zod, React Hook Form, Vitest
Running a lending book on manual checks? Show us how a deal moves today.