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Arris Finance - P2P Lending Platform

A comprehensive, FCA-compliant peer-to-peer lending ecosystem engineered to bridge private capital with property-secured financing. The platform functions as a robust intermediary, meticulously managing the entire loan lifecycle, from origination through to redemption. It ensures rigorous regulatory adherence, delivers transparent investor reporting, and facilitates seamless capital flow management, effectively digitising the core operations of a regulated financial firm.

Project IV

36h → 5m Setup Time
T+0 Settlement
Auto-Rec Reconciliation
Audit-Grade Logging

Core Business Model

Clients

(Lenders)

Invests
Returns (+ Fees)
Arris Finance

(Platform)

Lends
Repayment (+ Spread)
Borrowers

(Property)

Full Platform Development

Led the end-to-end development of a peer-to-peer bridging loan platform using Angular 20 with standalone components, TypeScript, and TailwindCSS. The platform implements role-based access control, KYC workflows, and comprehensive loan lifecycle management.

Firebase Backend Architecture

Architected a serverless backend using Firebase Auth with custom claims for role detection, Cloud Firestore for all platform data, Cloud Functions for server-side logic and email notifications, and Firebase Storage for document uploads. Deployed to production via Cloud Run.

Financial Engine Implementation

Developed core financial services including LTV calculation, payment waterfall allocation (Fees to Interest to Principal), day count conventions (Actual/365, Actual/360, 30/360), and treasury management. All arithmetic performed in integer pence to prevent floating-point errors.

Client Interest Schedule Calculation

Implemented the single source of truth for investor payouts: daily loop from commitment start to loan end with principal tracking, rate resolution (base/default/event overrides), 20% WHT handling for applicable clients, and distribution tracking.

Key Business Functions

Loan Origination Create property-secured bridging loans with customisable terms, fees, and interest structures
Investor Matching Match client commitments to loan deals supporting multiple funding tranches
Loan Servicing Manage active loans with interest accrual, borrower payments, extensions and defaults
Compliance & KYC KYC workflows with document verification and AML checks
Treasury Management Track platform capital deployment, fee revenue, and profit crystallisation
Reporting & Audit Generate WHT certificates, completion statements, and reconciliation reports

Tech Stack

Frontend Angular 20, TypeScript 5.8, TailwindCSS 3.4, GSAP animations, RxJS
Backend Firebase Auth, Cloud Firestore, Cloud Functions, Firebase Storage
Integrations SendGrid email, Google Gemini AI (document parsing), MapTiler geocoding
Deployment Cloud Run via Cloud Build CI/CD pipeline

Security Model

Role-Based Access Control

Four user roles implemented: Admin (full platform access), Client/Investor (portfolio and commitment management), Trustee (delegated multi-client permissions), and Read-Only access. Route guards enforce role-based access and KYC status checks.

Four-Eyes Approval

Sensitive operations require approval from a second admin: revenue crystallisation, large adjustments, and user role changes.

Project Stats

  • 30+ core services
  • 100+ domain components
  • 15+ Cloud Functions
  • Production-ready status