Meet LARA (Loan Administration, Reporting and Analysis) our proprietary LOS (loan operating system). LARA has been designed to provide an end-to-end workflow for lending businesses. LARA is unique as a multi-entity operating system, allowing for collaboration between participants in a specific lending ecosystem. The beating heart of LARA is its data warehouse. Its critical limbs are its calculation library, portfolio allocation engine and reporting portal. All these elements are combined with a capital markets risk philosophy to deliver diversified portfolios and institutional quality analytics for both LendDirect and all third party providers of financing to our lending businesses.