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United Fintech has acquired 100% of Trade Ledger, the technology company behind an AI-powered solution that automates commercial and business lending.
The acquisition, announced on 5 November 2025, brings Trade Ledger's customer base—which includes Barclays and Bank of Queensland—into United Fintech's expanding Commercial Banking division. Trade Ledger will retain its leadership team and brand identity whilst becoming part of the digital transformation group.
The deal is structured as an all-share transaction, with Trade Ledger's founders exchanging their shares for equity in United Fintech.
Christian Frahm, CEO and Founder of United Fintech
Christian Frahm, CEO and Founder of United Fintech, said:
"AI is redefining how banks operate, and Trade Ledger is at the forefront of that change. Trade Ledger CEO and Co-Founder Martin McCann and his team have built exceptional technology that transforms lending into a real-time, data-driven experience for customers. Together with our acquisition of CBA earlier this year, we're now building the most complete digital infrastructure for commercial banking, from lending and trade finance to payments. Through the United Fintech ecosystem, we're scaling this innovation globally to give financial institutions the intelligent infrastructure they need to thrive in the AI era."
The acquisition follows United Fintech's integration of CBA earlier in 2025, which added payments and trade finance capabilities to the group. The combination creates synergies between payments and commercial banking technology, positioning United Fintech to help financial institutions automate workflows, enhance credit decisioning, and accelerate digital transformation.
Martin McCann, CEO and Co-Founder of Trade Ledger
Martin McCann, CEO and Co-Founder of Trade Ledger, said:
"Joining United Fintech marks an exciting new chapter for Trade Ledger. As founders, our ambition has always been to transform how banks use data and technology to serve their customers. By becoming part of United Fintech, we gain the expertise, scale, and global reach to accelerate that vision and deliver impact faster than we could alone. We're also proud to become shareholders in United Fintech, reflecting our belief in the long-term value of being part of something bigger."
Trade Ledger's technology focuses on data-driven lending and commercial banking automation, enabling banks to process lending decisions in real-time.
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