Give every participating bank a live view of its share of a syndicated loan, with interest and principal distributed automatically. One shared ledger replaces the lead bank's manual spreadsheets for tracking each lender's stake and repayment allocation.
Turn a lead bank's manual servicing spreadsheet into a shared, self-distributing loan ledger.
01.
Replace the lead bank's spreadsheet. The Securities Lifecycle module records each lender's share of the loan on one ledger every participant can read directly.
02.
End manual calculation. Interest accrues per lender in proportion to their participation, so accrual is computed by the contract rather than reconciled by hand.
03.
Split payments automatically. The Royalty Clearing module allocates each borrower repayment across the syndicate in proportion to each lender's stake.
04.
Move funds on rule. The Escrow and Conditional Settlement module holds and releases drawdowns and repayments against the loan's agreed conditions.
05.
Trade a stake cleanly. A lender can transfer its participation to another bank on-chain, with the ledger updating every future distribution automatically.
06.
Show every lender its stake. Each bank queries its outstanding principal, accrued interest, and received payments in real time without asking the agent bank.
Follow a single syndicated loan from participation setup to an automatically distributed repayment.
09:30:00
[SYS] Forming syndicate for facility SYN_204...
09:30:02
[CMD] addParticipant(bank: "B2", share: 2200)
09:30:02
[AUTH] Recording committed shares for 5 banks...
09:30:03
[OK] Syndicate formed, shares total 100%.
Cerulea decomposes syndicated lending into modular contracts. Each layer records participation, escrows drawdowns, accrues interest, and distributes repayments without the lead bank keeping a private spreadsheet.
Shared loan servicing is a horizontal capability. Here is how different actors rely on one participation ledger.
Service a syndicate from a shared ledger instead of a spreadsheet, distributing repayments automatically and removing the reconciliation burden and dispute risk of manual servicing.
Key Asset Types
See an exact live position and receive proportional payments directly, without depending on the lead bank's calculation of each stake and payment.
Key Asset Types
Draw and repay against one authoritative facility record, with every allocation across the syndicate handled transparently on-chain.
Key Asset Types
Whether you are bridging a bank's loan servicing system or connecting lenders directly, Cerulea routes both into one shared syndication ledger.
For agent banks on legacy servicing platforms. Facility events are translated into signed on-chain participation and distribution transactions through the API gateway automatically.
Loan Servicing System
Agent Bank Platform
Cerulea API Gateway
Event Signing
Cerulea Private Chain
Syndication Ledger
For participating lenders on institutional nodes. A lender node reads its live position and receives distributions directly from the shared contract.
Lender Node
Participating Bank
Syndicate Validators
Distribution Consensus
Cerulea Ledger
Shared Participation Record
Building a syndicated loan ledger with shared participation, automated accrual, proportional distribution, and participation transfer from scratch requires lending engineers and long multi-bank integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 12 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects syndicated lending integration benchmarks. Building a shared participation ledger, automated interest accrual, proportional repayment distribution, and participation transfer across banks takes a baseline of 8 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your participation and servicing rules into pre-audited WebAssembly binaries and provisions the syndication ledger and distribution layer instantly.