A cloud-based app that provides near real-time financial data from accounting platforms to reduce costs and accelerate the process of lending to SMEs

Ledgerscope是一家英国开放式会计中小企业，其核心项目团队包括Adrian Pearson（首席执行官/连续创业者），Matthew Steeples（首席技术官），Rob Furness（业务发展总监）和Steve阿泽（高级开发人员）。英国有560万家中小企业，雇用1600万人，为经济增长提供引擎。每年，通过不到10万英镑的贷款向英国中小企业提供175亿英镑的资金;从113万份申请中，发放了70万份贷款，平均价值为2.5万英镑（英格兰银行/Statista，2020年）。信息通过纸质、邮寄或电子邮件以Excel和PDF文件的形式传递给贷方。信息往往不完整、质量差或迟交。这对贷款人和小企业主来说都是一个不满意的情况，并导致英国220亿英镑的中小企业资金缺口。许多中小企业主（估计有70%）宁愿不追求融资选择，让他们的公司发展得更慢。Ledgerscope正在通过一个基于云的应用程序开发一个解决方案，该应用程序将与目前流行的所有中小企业会计平台相连接。它将自动收集所需的数据，并将其转换为标准化的财务报告，这些报告将以近乎实时的方式提供给贷方。这将把通常需要14天才能完成的过程缩短到几个小时。该应用程序将在现收现付的基础上提供，不需要昂贵或限制性的持续合同，从而为企业节省时间和成本。

Ledgerscope is a UK Open Accounting SME with a core project team of Adrian Pearson (CEO/serial entrepreneur), Matthew Steeples (CTO), Rob Furness (Business Development Director) and Steve Aze (Senior developer).There are 5.6M SMEs in the UK, employing 16M people and providing an engine of growth for the economy. Each year, £17.5B of funding is provided to UK SMEs through loans of less than £100K; from 1.13M applications, 700K loans are issued, and the average value is £25K (Bank of England/Statista,2020).Lending to UK SMEs is currently an expensive and slow process. Information is transferred to lenders either on paper, through the post, or in Excel and PDF files by email. The information is often incomplete, of poor quality or late. This is an unsatisfactory situation for both lenders and small business owners and is contributing to the UK's £22B SME funding gap. Many SME owners (an estimated 70%) would rather not pursue funding options and leave their companies to grow more slowly.Ledgerscope is developing a solution to this problem through a cloud-based app that will interface with all SME accounting platforms currently in popular use. It will automatically collect the required data and convert it into standardised financial reports, which will be provided to lenders in near real-time. This will shorten to a matter of hours a process that typically takes 14 days to complete. The app will be offered on a pay-as-you-go basis that will not require expensive or restrictive ongoing contracts, thereby saving both time and costs for businesses.