After registration
When you create a LoanLedger account, you get immediate access to sign in, view your account page, and read public content like the Knowledgebase and Changelog. Full access to the ledger and Signal Search requires account approval.
Approval isn't automatic. It's a deliberate step that ensures the lender-focused tools and the shared signal layer are being used by people who have a legitimate reason to access them.
What approval unlocks
| Feature | Before approval | After approval |
|---|---|---|
| Sign in and account page | ✓ | ✓ |
| Knowledgebase and public content | ✓ | ✓ |
| Web ledger | — | ✓ |
| Signal Search | — | ✓ |
| Signal submission | — | ✓ |
| Account notifications (inbox) | ✓ | ✓ |
The web ledger and Signal Search are the two main features unlocked by approval. The ledger is your private record-keeping workspace. Signal Search is the shared community borrower-context layer.
The approval process
After registering, you'll see your account status in the Account center. The status panel tells you where your account is in the review process.
Approvals are managed by operators. There is no fixed timeline, but operators typically review new accounts in sequence. You will receive an in-app notification (visible in the bell icon in the nav) and a message in your Messages tab when your account status changes.
You don't need to do anything to trigger a review. Operators see new accounts as they're created.
Your Messages tab
The Messages tab on the Account page is your inbox for system and operator communications. This is where:
- Approval notices arrive when your account status changes
- Operator communications are delivered
- System notifications about your account appear
Check Messages if you're unsure about your current status. The most recent system message will describe your access level.
If you're waiting for approval
A few things to do while your account is being reviewed:
Read the Knowledgebase. The guides here cover the ledger workflow, signal methodology, payment processor selection, and dispute handling — all of it is available before approval. If you're new to structured lending records, the Start with the web ledger and Lender operating advice guides are worth reading now so you're ready to work efficiently once access opens.
Check your email. Account notifications may be delivered to the email address you registered with as well as appearing in your in-app Messages tab.
Review the legal section. The legal hub covers terms, privacy policy, and the platform's content and conduct rules. Understanding these before you start lending saves you from discovering policy boundaries after the fact.
Account statuses explained
Your account can be in one of several states:
Pending — your account has been created and is awaiting operator review. You can sign in and access public surfaces, but ledger and signal access are not yet available.
Permitted — your account has been reviewed and approved. The web ledger and Signal Search are available.
Suspended or restricted — access has been limited by an operator. Check your Messages tab for context on why and whether any action is available to you.
Access across devices
LoanLedger is web-based. Once your account is approved, you can access the ledger from any browser you're signed into. There's no device registration or per-device approval.
If you're signed out, sign back in at /sign-in with the email and password you registered with. If you've forgotten your password, use the password reset flow.
Related guides
- Start with the web ledger — first steps once your account is approved
- Search approved borrower signals — how to use Signal Search
- Lender operating advice — full workflow for funded loans