What is GSLDM?
GSLDM stands for Generic Syndicated Loan Data Model. It is a precise, vendor-agnostic, composable data model for the financial and economic terms of a syndicated facilities agreement.
Generic Syndicated Loan Data Model
GGeneric
SSyndicated
LLoan
DData
MModel
A common language for the syndicated loan market.
For banks, agents and lending platforms
The same credit agreement, finally described in one shared language.
GSLDM is a precise, vendor-agnostic composable data model for the financial and economic terms of a syndicated facilities agreement — grounded in LMA* standard documentation, and designed for any counterparty to build on.
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Right now
Every bank re-keys the same numbers, in its own shape.
Margins. Ratchets. Fees. Repayment schedules. Multi-currency mechanics. Every bank, agent and servicing platform stores the same economic terms in its own proprietary format — so every new counterparty, every new platform, every amendment means the same facts get typed in again by hand.
Same agreement. Different shape, every time.Grounded in the LMA* standard
Objects, terms and defaults are aligned with terminology and conventions found in the LMA* standard documentation, so the model speaks the language your desks, lawyers and agents already use.
Independent by design. Built for the market.
GSLDM is independently maintained rather than being the proprietary schema of any bank, agent, fintech or servicing platform. It is designed as a common description layer that can sit between them.
Portable by design
The format is shared and standardised rather than tied to one vendor's internal schema. A loan described this way can move between any system that implements the model.
The market's real inefficiency, solved
The biggest cost in syndicated lending isn't a lack of technology — it's the lack of one precise, shared description of the product itself. This is that description layer.
Description first, not another workflow tool
GSLDM represents what a loan is, not how to process it. It deliberately stays out of servicing, accounting and workflow so it can describe the product with total precision.
Built to evolve with the market
The model grows as banks, agents and vendors propose extensions and corrections. It's a living model, designed to evolve with the market rather than being handed down once and left to age.
The core capability
Serialise it. Send it. Rebuild it.
Every object in the model round-trips cleanly to and from JSON. What one system writes, any other system implementing GSLDM can read back — in full, without a bespoke mapping layer for every new counterparty.
Agent's platformMARGIN_BPS: 275
Bank ledgerspread_pct: "2.75%"
Servicing toolrate.margin = 275
GSLDM.facility.json
{
"facility": {
"type": "termLoanB",
"currency": "EUR",
"margin": {
"value": 2.75,
"unit": "pctPerAnnum"
}
}
}
Straight from the reference
Every object, precisely defined.
A small slice of the model's reference documentation — object by object, attribute by attribute, with market-standard defaults and a live JSON example for each.
object · extends Facility
Term Facility (Term Loan)
A lump-sum loan drawn once, or over a short period, and repaid on a fixed schedule. Term Loan A typically amortises; Term Loan B is usually bullet.
commitmentCommitmentrequired
interestInterest Termsrequired
repaymentRepayment Schedulerequired
trancheTranche Typeoptional
{
"id": "fac-tlb",
"kind": "TermFacility",
"name": "Facility B",
"commitment": {
"totalCommitment": { "currency": "EUR", "value": "500000000.00" }
},
"tranche": "TLB"
}
object · extends Margin
Ratchet Margin
A margin grid stepped against a financial metric — typically net leverage — observed off the Compliance Certificate.
openingMarginBasis Pointsrequired
ratchetMetricRatchet Metricoptional
ratchetlist of Ratchet Steprequired
observationFrequencyFrequencyoptional
{
"kind": "Margin",
"marginType": "RATCHET",
"openingMargin": { "bps": 375 },
"ratchetMetric": "NET_LEVERAGE",
"ratchet": [
{ "fromInclusive": 4.0, "toExclusive": 4.5, "margin": { "bps": 350 } }
]
}
object
Repayment Schedule
Defines the repayment profile — a single payment at maturity, regular instalments, or instalments plus a large final payment.
methodRepayment Methodrequired
maturityDateZoned Date-Timerequired
instalmentFrequencyFrequencyoptional
finalRepaymentPercentPercentageoptional
{
"kind": "RepaymentSchedule",
"method": "BULLET",
"maturityDate": "2033-09-14T00:00:00+02:00"
}
object
Market Disruption
Fallback pricing if a threshold of lenders certify they genuinely cannot fund at the screen rate.
costOfFundsFallbackYes / Norequired
lenderThresholdPercentPercentageoptional · default 50%
{
"kind": "MarketDisruption",
"costOfFundsFallback": true,
"lenderThresholdPercent": { "percent": 35 }
}
What's in the model today
Built for the economics, first.
Covenants and other qualitative clauses are planned for a later stage. Today the model is deliberately narrow, so the financial terms it does cover are precise.
In scope today
Facilities
Pricing & ratchets
Fees
Repayment schedules
Multi-currency mechanics
Syndication
Coming later
Covenants & qualitative clauses
Now → next. Not a roadmap of features — a roadmap of precision.
Common questions
GSLDM, in plain terms.
Who is GSLDM for?
GSLDM is designed for banks, agents, lenders and lending or servicing platforms that need a shared description of syndicated loan terms across systems and counterparties.
What does GSLDM cover today?
The current model covers facilities, pricing and ratchets, fees, repayment schedules, multi-currency mechanics and syndication. Covenants and other qualitative clauses are identified as a later stage.
How does GSLDM relate to the Loan Market Association (LMA)?
GSLDM is independently maintained. Its objects, terms and defaults are described as aligned with terminology and conventions found in LMA standard documentation. GSLDM is not affiliated with, endorsed by, or sponsored by the LMA.
Is GSLDM a workflow or servicing platform?
No. GSLDM is a description layer: it represents what a loan is rather than how a loan is processed. The landing page states that servicing, accounting and workflow are deliberately outside the model's purpose.
Can GSLDM data be exchanged between systems?
The model is designed to serialise its objects to and from JSON. The intended interoperability is between systems that implement GSLDM, using a shared description rather than a bespoke mapping for every counterparty.
Industry context
Why shared loan data matters now.
Industry work is increasingly focused on interoperability, digital standards and structured loan data. The LMA's 2026 technology newsletter describes interoperability and digital standards as a central area of focus, while FpML's Syndicated Loan Working Group describes its mission as establishing a common electronic data exchange format for primary and secondary commercial loan markets.
GSLDM is presented here as an independent description layer. It should not be confused with, or represented as affiliated with, those industry initiatives.
Related industry references: LMA Technology Newsletter — June 2026 · FpML Syndicated Loan Working Group
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