Overview:
One of Asia’s leading infrastructure finance institutions manages a portfolio spanning renewable energy, highways, transmission, and large-scale structured lending; financing infrastructure projects collectively worth over $20 billion. To protect lender interests and ring-fence cash flows, every project operates through dedicated escrow and TRA accounts.
At scale, that means managing 2,000+ active accounts across multiple banking partners. Behind that scale was a reconciliation operation running entirely on spreadsheets and manual effort.
This created recon delays, capital misallocation risk, and no real-time view of where money was moving.
Business Challenge:
Every bank in the organization’s network operated differently. Statements came in through APIs, email attachments, banking portals, and file transfers — each in its own format, on its own schedule. Before reconciliation could even begin, teams had to manually collect and standardize data across all of them.
Multiplied across 2,000+ escrow and TRA accounts, the manual effort was enormous. Reconciliation cycles ran days behind. Budget tracking happened in spreadsheets, updated after the fact. And because no single system connected everything, there was no real-time picture of cash positions, inflows, or project-level utilization.
For a lender whose business depends on knowing exactly where capital is at any given moment, this was more than an operational problem. Credit decisions were being made without current data. Risk exposure was being assessed on incomplete information. And as the portfolio continued to grow, the process became increasingly difficult to sustain.
Solution:
The organization partnered with finhub.ai to do what years of manual effort couldn’t: turn 2,000+ fragmented accounts into a single, intelligent view of capital.
It started with connectivity. Rather than asking banks to change how they operated, finhub.ai met them where they were, integrating through REST, APIs, SFTP file transfers, and email ingestion, supporting any format and any protocol without compromise.
Every statement (CSV, PDF, proprietary) was ingested whole, transformed without truncation, and normalized into a single consistent data structure across all accounts.
From that clean data foundation, finhub.ai built the intelligence layer the organization had been missing. Automated reconciliation eliminated manual matching across all accounts. Transaction classification categorized every entry against project budgets and covenants.
At the center of it all was a unified dashboard: purpose-built to give credit, risk, and monitoring teams one place to see everything. Consolidated balances, live cash flow movements, receivable cycles, liquidity positions, and lending headroom across every account, bank, and project.
For the first time, the organization had a clear, real-time view of planned vs. actual budget utilization at the project level — not as a monthly exercise, but as a live operating reality.
Business Impact:
The impact was immediate and measurable.
Reconciliation cycles that previously ran days behind closed to real-time. Budget tracking shifted from a retrospective exercise to a live one – variance visible in hours, not weeks. Credit and risk teams gained confidence in the data they were acting on. Across 2,000+ accounts, the organization was no longer managing capital reactively. They were managing it with full visibility.
finhub.ai, empowered the organization by:
- Reducing reconciliation turnaround time by ~80%
- Achieving 99% reduction in reconciliation errors
- Accelerating integration by 10X with banking partners
- Enabling faster credit decisions and smarter capital allocation across the portfolio
- Bringing audit preparation time to near-zero with every transaction auto-classified, timestamped, and audit-ready
As the portfolio grows, the platform scales with it, giving the organization the infrastructure to take on more without adding overhead or complexity.