RM Queue
Deal Pipeline
612
Leads
248
Step-1 Sent
41
RM Engaged
11
Applications
5
Completions
NIM This Quarter
£284,500
5 completions × avg 5yr
Platform ROI
512%
NIM ÷ platform cost
Queue
Mehta Exports Ltd
91
URGENT
Al-Rashid Trading Co
78
HIGH
Pacific Rim Commodities
65
WARM
Mehta Exports Ltd
Letter of Credit Financing · UK–India Corridor · Southall Branch
URGENT
LC Expiry: 28 days
Vayana Network Partner
91
Propensity Score
Facility Size
£2.4M
LC Volume p.a.
£8.1M
Trade Corridor
UK–IN
Margin
1.85%
Company Profile
Reg No.CH-08924411
Incorporated14 Mar 2009
SIC Code46900 — Non-spec wholesale
Directors2 (all UK-resident)
Filed AccountsMar 2025 ✓
Net Assets£1.24M
Trade Signals
HMRC Exports 2024£7.8M (↑18%)
Current LC ProviderHSBC (expiring)
Days to Expiry28 days
IncotermsCIF / FOB
Counterpart BankAxis Horizon Ltd India
Portal ActivityHigh (last 7d)
⚡ Compliance Document Scanner — AI-powered review against FCA FG21/3, PECR 2003, ICC UCP 600, URC 522, UK GDPR, and AML/CTF Regulations 2017. First-pass only — Axis Horizon Ltd compliance officer makes all final decisions.
⊕
Drop trade finance document here
or click to scan a template
Active Ruleset
✓ FCA Financial Promotions — FG21/3 Fair, clear, not misleading
✓ PECR 2003 — Direct Marketing Unsubscribe, sender ID, consent
✓ ICC UCP 600 — Documentary Credits LC terms and conditions
✓ AML/CTF Regs 2017 Beneficial ownership, sanctions
✓ OFAC / OFSI Sanctions Counterparty screening
i Ruleset updated: 15 May 2026 · Weekly scan active
Scan Results — Trade Finance Step-2 Template
2 High Severity
1 Medium Severity
4 Resolved / Pass
HIGHMissing AML beneficial ownership declaration
AML/CTF Regs 2017 Reg.28 requires UBO confirmation for entities > £25k. Not present in current draft.
Ref: AML/CTF Reg.28 · Location: Applicant section · Action required before send
HIGHSanctions screening not evidenced in document
OFSI/OFAC pre-transaction check must be documented. Counterparty bank not confirmed against sanctions list.
Ref: OFSI Guidance May 2024 · Location: Counterparty section
MEDMargin rate referenced without credit assessment qualifier
"From 1.5%" used without "subject to credit assessment and valuation." Add qualifying statement.
Ref: FCA FG21/3 §4.2 · Location: Para 3
PASSSender identification — Axis Horizon Ltd name and address present
PECR Check 2 passed.
PASSNo misleading claims detected
No unqualified superlatives. PECR Check 3 passed.
PASSUCP 600 Article 6 — expiry date and place present
LC terms compliant with ICC UCP 600.
PASSUnsubscribe link present and functional
PECR Check 4 passed.
SCAN_ID: TF-2026-05-18-1102 | Model: claude-sonnet-4-6 | Ruleset: FCA-FG21/3+AML/CTF+UCP600+OFSI | 2.1s | Logged to audit_log
Regulatory Status by Product
| Product | Regulated? | Status |
|---|---|---|
| Letter of Credit | NO — ICC UCP 600 | ✓ Compliant |
| Bank Guarantee | NO — URDG 758 | ✓ Compliant |
| Invoice Finance | YES — FCA | ⚠ Human Gate |
| Supply Chain Finance | NO — Non-reg | ✓ Compliant |
| Trade Guarantee | NO — Non-reg | ✓ Compliant |
| Export Finance | NO — UKEF | ✓ Compliant |
| Documentary Collection | NO — URC 522 | ✓ Compliant |
| Loan Against Deposit | NO — Internal | Internal |
◈ 12-Dimension Trade Finance Propensity Score
XGBoost on AWS SageMaker. All weights and calibration data documented for full audit transparency.
Normalisation Formula
Normalised_Score = (Raw_Score / Max_Possible) × 100
Max_Possible by product:
lc_financing: 112 pts
bank_guarantee: 108 pts
invoice_finance: 105 pts
supply_chain: 110 pts
trade_guarantee: 104 pts
Confidence_Interval additive model:
LC data > 30d: +3 pts
Accounts > 18m old: +3 pts
No D&B data: +2 pts
Max CI cap: 12 pts
Max_Possible by product:
lc_financing: 112 pts
bank_guarantee: 108 pts
invoice_finance: 105 pts
supply_chain: 110 pts
trade_guarantee: 104 pts
Confidence_Interval additive model:
LC data > 30d: +3 pts
Accounts > 18m old: +3 pts
No D&B data: +2 pts
Max CI cap: 12 pts
LC Expiry Urgency Score (D01)
Urgency_Score = 20 × e^(−λ × days_remaining)
λ (decay constant) = 0.003
Calibration:
30d → score 18 → URGENT (red, auto Step-1)
90d → score 15 → HIGH (amber, 4hr RM)
180d → score 12 → WARM (amber, 72hr)
365d → score 7 → MONITOR (green)
540d → score 4 → PIPELINE
λ (decay constant) = 0.003
Calibration:
30d → score 18 → URGENT (red, auto Step-1)
90d → score 15 → HIGH (amber, 4hr RM)
180d → score 12 → WARM (amber, 72hr)
365d → score 7 → MONITOR (green)
540d → score 4 → PIPELINE
Interactive Dimension Explorer
LC Financing
Bank Guarantee
Invoice Finance
Supply Chain
Trade Corridor Score — All Corridors
UK ↔ India14
UK ↔ UAE12
UK ↔ SEA11
UK ↔ Africa9
UK ↔ USA8
Multi-Corridor6
Formula: (0.35×Trade_Volume)+(0.25×Corridor_History)+(0.25×Counterparty_Quality)+(0.15×AHL_Relationship) · Redis TTL: 23h
3-Step Email Sequence with Mandatory RM Approval Gate
✓ PROSPECT IDENTIFIED
→
✓ SCORE ≥ 60
→
✓ PECR SCAN PASS
→
✓ STEP-1 AUTO SENT
→
② RM APPROVAL REQUIRED ←
→
③+ RM MANAGES DIRECTLY
⏳ 2 Step-2 emails awaiting your approval. PECR re-scan runs on approval. All decisions logged.
Mehta Exports Ltd
URGENT Step-2 Draft
✓ Unsubscribe — present
✓ Sender ID — Axis Horizon Ltd confirmed
✓ Content — clear
✓ Suppression — clear
✓ Sanctions — screened
To: finance@mehtaexports.co.uk
From: r.sharma@axishorizon.co.uk (Ravi Sharma, RM — Southall)
Subject: Trade Finance Solutions — LC Renewal & Working Capital from Axis Horizon Ltd
Dear Rajiv,
Thank you for your time recently. Following our initial introduction, I am writing to share details of Axis Horizon Ltd's specialist trade finance facilities, which I believe may be well-suited to your requirements at Mehta Exports Limited.
Axis Horizon Ltd offers Letter of Credit issuance and confirmation, Bank Guarantees, and working capital facilities specifically structured for UK–India trade corridors. Given the upcoming expiry of your current facility, I would welcome the opportunity to discuss how we can provide continuity of support.
Yours sincerely,
Ravi Sharma | RM — Southall | Axis Horizon Ltd
Financial promotion by Axis Horizon Ltd (FRN: XXXXXX), authorised by the PRA and regulated by the FCA and PRA. Trade finance facilities are subject to credit assessment. [Unsubscribe] — processed within 24 hours.
Thank you for your time recently. Following our initial introduction, I am writing to share details of Axis Horizon Ltd's specialist trade finance facilities, which I believe may be well-suited to your requirements at Mehta Exports Limited.
Axis Horizon Ltd offers Letter of Credit issuance and confirmation, Bank Guarantees, and working capital facilities specifically structured for UK–India trade corridors. Given the upcoming expiry of your current facility, I would welcome the opportunity to discuss how we can provide continuity of support.
Yours sincerely,
Ravi Sharma | RM — Southall | Axis Horizon Ltd
Financial promotion by Axis Horizon Ltd (FRN: XXXXXX), authorised by the PRA and regulated by the FCA and PRA. Trade finance facilities are subject to credit assessment. [Unsubscribe] — processed within 24 hours.
✓ Approved — PECR re-scan complete. Email queued for send at 09:00. Logged to audit trail. ref: TF-09124381
Al-Rashid Trading Co
HIGH Step-2 Draft
✓ Unsubscribe — present
✓ Sender ID — confirmed
! OFSI Screening — verify BG beneficiary
To: info@alrashidtrading.co.uk
From: k.patel@axishorizon.co.uk (Kavita Patel, RM — Wembley)
Subject: Bank Guarantee & Trade Finance — Axis Horizon Ltd UAE Corridor Specialists
Dear Ibrahim,
Following my recent introduction, I wanted to share more detail on Axis Horizon Ltd's Bank Guarantee and Trade Finance facilities. As a firm with deep roots in the UAE corridor and an established correspondent banking network in the region, we are well-positioned to support your import and export requirements.
Axis Horizon Ltd assesses trade finance facilities on actual trade flows and counterparty quality — not simply balance sheet size — which can deliver a more competitive facility structure for growing trading businesses.
Kind regards,
Kavita Patel | RM — Wembley | Axis Horizon Ltd
Following my recent introduction, I wanted to share more detail on Axis Horizon Ltd's Bank Guarantee and Trade Finance facilities. As a firm with deep roots in the UAE corridor and an established correspondent banking network in the region, we are well-positioned to support your import and export requirements.
Axis Horizon Ltd assesses trade finance facilities on actual trade flows and counterparty quality — not simply balance sheet size — which can deliver a more competitive facility structure for growing trading businesses.
Kind regards,
Kavita Patel | RM — Wembley | Axis Horizon Ltd
✓ Approved and logged. ref: TF-09291847
Sequence Stats
Step-1 Open Rate
67%
Step-2 Approval Rate
84%
RM Engagement
41
Avg Time to Apply
14d
Active Feeds
9
8 live · 1 lagged
Signals Today
248
↑ 22% vs yesterday
p95 Enrichment
2.6s
Target <3s ✓
Platform Uptime
99.8%
SLA: 99.5% ✓
Data Feed Health
SourceLicenceRefreshLast UpdateRecordsStatus
Companies HouseOpen GovDailyToday 04:3014,201Live
HMRC Trade DataOpen GovMonthly1 May 2026982,441Live
ICC RegisterLicensedWeeklyToday 06:0038,100Live
OFSI Sanctions ListOpen GovDailyToday 07:004,820Live
Dun & BradstreetCommercial6h6h ago201,000Lagged
Vayana NetworkPartner APIReal-timeLive8,900Live
Timble.ai RiskPartner APIReal-timeLiveN/ALive
UKEF Buyer RatingsGov APIMonthly1 May 2026190Live
Worldline FXCommercialReal-timeLiveN/ALive
LC Data Staleness
Threshold: 30d → AMBER · 60d → RED
14 days — within threshold ✓
D&B Commercial Data
Threshold: 8h → AMBER
6 hours — approaching threshold ⚠
OFSI Sanctions
Threshold: 24h → AMBER
Updated today ✓
Agents Online
7/8
1 restarting
Prospects Created
612
This month
Agent Errors
0
Last 24 hours
Records Ingested
11,204
Today's load
Agent Status
S
Trade Sentinel
● Monitoring · 248 signals today
P
Prospect Finder
● Scanning · 612 prospects
⊛
Scoring Engine
◌ Ready · Last scored 3m ago
G
Compliance Guardian
● Enforcing · 183 suppressed
E
Email Orchestrator
● Active · 2 pending approval
S
Sanctions Screener
● Live · 0 flags today
D
Data Enrichment Agent
◌ Standby
R
Report Generator
⟳ Restarting...
Event Stream (Live)
09:14:32SIGNALLC expiry signal: Mehta Exports — 28 days
09:13:10SCOREMehta Exports scored 91 — threshold met
09:12:48COMPLIANCESuppression check: Al-Rashid — clear
09:11:20INGESTHMRC trade data loaded: 982,441 records
09:10:05EMAILStep-1 sent: Pacific Rim Commodities
09:08:33AGENTReport Generator restarting — memory limit
09:06:12SANCTIONSOFSI list refreshed — 0 new matches
🔒 7-year retention · AES-256 · Append-only · Tamper-evident
Total Events
2,401
Pass / Clear
2,361
Warnings
31
Blocked
9
AWS RDS PostgreSQL eu-west-2 · 7-year retention
TimeTypeDetailOutcome
09:14:32SIGNALLC expiry signal detected — Mehta Exports Ltd (TF-09124381)PASS
09:13:10SCOREProspect scored 91 — auto Step-1 triggeredPASS
09:12:48COMPLIANCEOFSI screening — Al-Rashid BG beneficiary flagged for manual checkWARN
09:11:00SUPPRESS183 contacts suppressed — active opt-out list appliedPASS
09:10:05EMAILStep-1 sent — Pacific Rim Commodities (PECR re-scan: PASS)PASS
09:06:12SANCTIONSOFSI/OFAC list refreshed — 0 new matches against prospect databasePASS
08:59:44BLOCKEDEmail blocked — prospect on suppression list (PECR opt-out)BLOCKED
NIM This Quarter
£284,500
5 completions · avg 5yr
Platform ROI
512%
NIM ÷ platform cost
Cost Per Application
£4,909
↓ from £21,000
Cost Per Lead
£52
vs £120–200 market avg
ROI — Product Level
| Product | Avg Facility | Margin | Annual NIM | 5-Year NIM | Break-Even | Q Completions | Q NIM | Signal Quality |
|---|---|---|---|---|---|---|---|---|
| LC Financing | £2,200,000 | 1.85% | £40,700 | £203,500 | 1 deal | 2 | £81,400 | Very High |
| Bank Guarantee | £1,500,000 | 2.10% | £31,500 | £157,500 | 1 deal | 1 | £31,500 | High |
| Supply Chain Finance | £3,000,000 | 2.50% | £75,000 | £375,000 | 1 deal | 1 | £75,000 | High |
| Invoice Finance | £800,000 | 3.00% | £24,000 | £120,000 | 2 deals | 1 | £24,000 | Med-High |
| Trade Guarantee | £1,200,000 | 1.75% | £21,000 | £105,000 | 2 deals | 0 | — | Medium |
| TOTAL | 5 | £211,900 |
Platform Cost (Yr 2+)
Annual recurring£185,000
NIM Generated (Annual)£1,010,000
Break-Even1 deal (LC £2.2M)
Platform ROI512% base case
Origination Funnel
Leads Identified612
Step-1 Sent248 (41%)
RM Engaged41 (17%)
Applications11 (27%)
Completions5 (45%)
📄 One-click Credit Pack Generator — structured deal brief for credit committee. Includes company profile, 12-dimension score, LC/BG terms, sanctions evidence, signal log, calculation trail, and RM notes. All packs logged with 7-year retention.
📋
Select a prospect to preview
Sections: Company Profile · Financials · Sanctions Evidence · 12-Dim Score · Signal Log · Calculation Trail · RM Notes
Pack Actions
Pack Log
09:00GENERATEDMehta Exports — sent to committee
08:40DRAFTAl-Rashid — RM review pending