Loan Origination Software
Our loan origination software lets customers apply online, gives credit officers the full picture in one view, and gets approved money to the account quickly. Every step is tracked, from the first form to the first repayment.
- BranchDeposit+1,200.00
- ATMWithdrawal−200.00
- InternetTransfer+350.00
- MobileLoan repayment+480.00
- BranchDeposit+1,200.00
- Rice 5 kg×112.50
- Tea 400 g×27.00
- Soap×33.60
- Asset cost10,000.00
- Agreed profit+800.00
- Sale price10,800.00
approved
- Apply
- KYC
- Score
- Approve
- Pay out
- 09:41Card, shop42.10OK
- 09:41Mobile transfer250.00OK
- 09:42ATM60.00OK
- 09:42Card, online1,980.00Blocked
- 09:43Bill payment75.00OK
Five stages, one clear pipeline
Every application sits somewhere on this board. Nobody chases paper, and the customer always knows where they stand.
-
Stage 01
Apply
The customer fills a short form online or at a branch and uploads documents from a phone.
Web and mobile app -
Stage 02
Verify
Identity, income and documents are checked, with eKYC and AML screening done automatically.
eKYC and bureau links -
Stage 03
Assess
Credit score, affordability and bank policy rules produce a clear recommendation.
Credit rules engine -
Stage 04
Approve
Each loan goes to the right officer by amount and risk, with limits enforced.
Approval workflow -
Stage 05
Pay out
The loan contract is created and the money is paid, with the repayment plan ready.
Loan servicing
What our loan origination software offers
Built for retail, SME and corporate lending, with the controls a credit committee expects.
Digital application on web and mobile
Customers apply in minutes and can pick up where they left off.
Automated KYC and AML checks
Identity and watchlist checks run in the background as soon as documents arrive.
Credit scoring and decision rules
Your scorecards and policy rules, applied the same way to every application.
Approval workflow with delegation limits
Each loan goes to the officer or committee allowed to approve it.
Document and collateral management
Contracts, securities and valuations kept with the loan they belong to.
Straight into loan servicing
Approved loans become contracts in the core with their repayment plan, with no retyping.
How the lending software fits together
Origination is where speed matters. Servicing and accounting are where accuracy matters. Each layer of our lending software is built for its job, so you get both.
- Screens your team can change without a long IT project
- Credit policy kept as rules, not hidden in code
- One loan record from application to final repayment
- FrontCustomer and staff portalsWeb and mobile screens for applications, documents and status.
- FlowWorkflow and rules engineRouting, approvals, reminders and service levels for every application.
- LoansLoan servicingContracts, repayment schedules, collateral and collections.
- BooksGeneral ledgerLoan accounting, IFRS 9 impairment and financial reports.
- IFRS 9
- Basel III
- AML and KYC
- Credit bureau checks
- Open banking APIs
Loan origination, answered
What is loan origination software?
It is the system that handles a loan from the moment a customer applies until the money is paid out: the application, document checks, credit assessment, approval and disbursement.
Does it work for SME and corporate loans too?
Yes. The same pipeline handles retail, SME and corporate lending, with different forms, scorecards and approval limits for each.
Can we use our own credit scorecards?
Yes. We set up your scorecards and policy rules as rules your risk team can maintain, so a change in policy does not need a code change.
How does it connect to the credit bureau?
Through standard APIs. We connect your local credit bureau and eKYC providers, so their results land in the application automatically.
What happens after a loan is approved?
The loan contract is created with its repayment schedule, the money is paid out, and the accounting reaches the general ledger without anyone retyping it.
Can customers track their application?
Yes. Customers see the status on the web or in the app, and get a message whenever their application moves forward or needs something from them.
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