The syndicated loan and private credit markets face challenges like slow settlements and valuation opacity due to manual processes. Fintech innovator Nammu21 partnered with Google Cloud to address these issues through a new proof-of-concept. This solution uses Nammu21's AI platform to structure legal agreements into smart contracts on the Google Cloud Universal Ledger (GCUL), automating the entire loan lifecycle. Current loan markets suffer from fragmented, manual interpretation of legal text, leading to long settlement times, which in turn ties up capital and increases risk. Nammu21 digitizes bespoke credit documents into Digital Credit Instruments (DCIs), mapping all terms to their originating legal provisions and expressing them as executable behaviors. GCUL provides a secure, high-performance distributed ledger environment for instantiating these instruments, offering near-instant transaction finality and predictable costs. Programmable contracts on GCUL are written in gculpy, a safe, readable, and auditable domain-optimized programming language. The platform streamlines development for financial institutions by simplifying complex memory management. Nammu21 plays a dual role: it programmatically renders DCIs from legal agreements and derives gculpy contracts to govern loans on GCUL. This architecture creates a single, immutable source of truth, as demonstrated by a modeled Term Loan B transaction. The system ensures compliance through gated execution, maintains role-based privacy for sensitive data, and provides settlement finality. This structural shift fundamentally changes lending markets, reducing settlement times, back-office overhead, and counterparty risk.