No Xero feed for your loan account? Import its statements as one.

Why lending platforms rarely have a Xero feed

Xero publishes a lending integration guide that lets platforms post feeds through the Bank Feeds API, but very few lenders have built one. Unless your platform is one of the rare exceptions, the loan account sits in Xero with no feed, and its drawdowns, interest and repayments have to be entered or imported by hand.

A loan account behaves like a bank account in reverse: drawdowns increase the balance, repayments reduce it, and interest is often capitalised straight onto the principal rather than paid out of your bank. Platform statements usually split each repayment into principal, interest and fee components - useful for the loan schedule, awkward for a feed that needs each movement stated once with the right direction. Many platforms only issue PDF statements, and some list transactions newest first or leave the running balance off entirely.

The manual way, every month

• Download the statement for the missing period
• Check the file format, dates and signed amounts
• Import into the correct Xero account and review overlaps
• Compare the closing balance and reconcile the lines

A usable CSV or OFX from the provider may be enough. Native PDF import is also available for eligible US and Canadian Xero organisations.

Review the statement, then choose how to import it

Preview the extraction, check the transactions, then send eligible lines through Xero's Bank Feeds API or download a Xero-ready CSV. Direct delivery supports dates within the last year and can be blocked by another provider's feed connection. Use CSV for older history. Overlap checks cover previous uploads to the same StatementClear feed, so also check any period already imported from other sources.

1. Step 1

   Start with your statement

   Preview a file before choosing how to get it into Xero.

2. Step 2

   Upload your lending platform statement

   PDF, CSV or Excel - whatever you can export. Map the columns once and we remember the mapping.

3. Step 3

   We check it first

   Review dates, amounts and signs. Balance checks use the source data, and overlap checks use prior StatementClear uploads.

4. Step 4

   Send to Xero or download CSV

   Send eligible lines directly to Xero or download a Xero-ready CSV. You complete reconciliation in Xero.

See the PDF-to-Xero workflow · Check PDF import in your region

Questions about lending platforms and Xero

Where this comes from

Everything above about what Xero's native feed covers, what its manual import accepts and how feed lines reach a bank account comes from Xero's own documentation. The relevant pages are below, so you can check the claim rather than take it.

• Import a PDF bank statementNative PDF import in the US and Canada, with plan and document requirements. Checked 30 September 2026.
• About bank feedsXero's own account of which feeds exist, how they connect and what they do not cover.
• Import a CSV bank statementThe manual import: the formats it accepts, and how it handles lines it has seen before.
• Bank Feeds API overviewThe interface StatementClear posts through, and the reason a fed line is not an imported one.

Related accounts

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• PayPal bank feed for Xero: import PayPal statements as a live feed