Unleash the power of modular system design

Track unique loans, perform daily loan recalculations, input data for loan portfolio analysis.

Design new products, set arrears and define pricing based on installment, credit line and bullet loan calculation methods. Define late payment penalties, limits and grace periods.

Design loyalty and marketing campaigns e.g. Happy Friday, first 60 days interest-free, birthday discount.

Disburse loan in cash, via batch bank payment or payment gateway (additional system modules required).

Reconcile incoming payments, manage payment attribution order. Import payment data via bank statement upload or payment gateway integration (additional system modules required).

Track loan portfolio by loan status.

Restructure non-performing loans into a new payment schedule.

Export report in a file format supported by your accountancy software. Create API integration with accountancy software (additional system modules required).

Track every unique transaction in investors, fundraisers and the platform wallets, input data for portfolio analysis, reports and dashboards.

Design and configure fundraising campaigns, set terms and milestones, define pricing based on instalment, credit line and bullet loan calculation methods.

Configure investor returns to match fundraising campaign’s cash flows. Set minimum holding period, payout rules and other investment critical features.

Configure platform fees and commissions to match fundraising campaign’s cash flows. Set one time issuance fees, management and success fees.

Design investor loyalty campaigns including cash-back investments, refer-a-friend promotions, VIP offers.

Reconcile all wallet transactions, manage payment attribution order. Import transfer data via bank statement upload or payment gateway integration (additional system modules required).

Export report in a file format supported by your accountancy software. Create API integration with accountancy software (additional system modules required).

Single point of all information about the customer (consumer or business), investor (consumer or business) and fundraiser.

Register customer's information from loan application form and third party data vendors (additional system modules required).

Browse existing and historic loan applications and loans, view reasoning for denied loans.

Store files related to customer and loan application e.g. ID document copies, bank statements, credit bureau reports.

Directly in customer card send custom SMS or generate a message from a template containing customer and loan information. View all sent and received SMS with the customer.

Directly in customercard send custom email or generate a message from a template containing customer and loan information. View all sent emails to the customer.

Make calls directly in the customer card. All conversations may be downloaded and stored in customer card for quality and compliance purposes.

Create notes and tasks related to customer or loan.

All activities and changes in customer and loan information are recorded in log files for quality and compliance purposes.

Create and assign customer labels, filter for further workflows and automations.

Create a black list of customers that are auto-denied during loan application.

Store limited information about the customers that used their right-to-be-forgotten under your legitimate business purpose.

Define multi-level loan approval process, combine automations with manual interactions such as credit committees approval.

Create document templates such as agreements, consent forms and invoices containing placeholders of customer and loan data.

Create email and SMS templates for payment reminders, loan offers and similar containing placeholders of customer and loan data.

Set triggers to automated communication with customers.

Filter customer and loan information to create recipient lists for SMS and emails.

Overview tasks assigned to users, resolve the done tasks e.g. in customer support, debt collection.

Manage affiliate networks and tracking links, generate statistics, resell denied leads (additional system modules required).

Manage connections with brokers, generate statistics, resell denied leads (additional system modules required).

Register merchants and other partners via whom you distribute your services.

Create users and set permissions to view, edit and delete customer and loan information. Enable 2FA, IP address whitelisting, custom CRM language. Access user log files.

Translate, rename field names used in the CRM module.

Differentiate debt collection strategies based on days-past-due-date (DPD) and previous communication. Match collection teams to debtors baskets.

Register PTP, monitor team performance and collection rates. Stop penalty calculation during the term of PTP.

Integrate omni-channel communication platforms to streamline debt collection communication process.

Register branch offices and working hours, assign employees (system users).

Assign cash boxes to branch offices, track loan disbursements and repayments, top up and withdraw funds from cash-boxes.

Default business intelligence reports about customer acquisition metrics, sales and loan portfolio management.

Any individually constructed reports and dashboards.

Connect to real time DB replica with your own BI tools and run managerial and regulatory reports, without a separate BI module fee.

Generate leads via affiliate networks and loan brokers.

Aggregate loan applicant data from third party vendors to enhance risk profiling e.g. credit bureaus, open banking, telco scoring.

leverage third party services to meet compliance requirements related to KYC and AML checks.

Integrate payment gateways, PSD2 PISPs and EMIs to disburse the loans and collect the payments.

Connect to crowdfunding platforms offering to refinance loan portfolios.

Define hard rules for loan application automatic denial.

Define scoring parameters and their weights in total score. Use loan application's demographic data and third party scoring data.

Segment customers into risk bands, modify cut-off points for automatic loan approvals.

Define interest, loan term and maximum loan limit for each risk band.

Calculate maximum loan limit based on their income and liabilities, number of dependents, costs of living.

Register the collateral to a loan. Default collateral types include vehicles, property and products e.g. solar panels information. Additional types available on request.

Register collateral value information, define loan to value ratio, prepare amortization schedules.

Register insurance information, insurance cases and similar.

Create notes and tasks e.g. to send reminders about insurance renewal, prepare re-valuation reports.

Store all the files related to collateral separately including third party reports, agreements, collateral information.

Assign collateral to unique loan.

Manage multiple collaterals by their statuses etc. e.g. car leasing companies may track cars in stock, leased ones, in repairs etc.

Features main lending website functionality with opportunity to change design elements, colors, fonts to launch the website quickly. Sections include public website, indicative loan offer slider/ calculator, dynamic loan application form and steps, customer portal.

Features the main point of sales partner portal functionality with opportunity to change design elements, colors, fonts to launch the portal quickly. Sections include loan application form, loan application status browsing, agreement generation, statistics.

Widget designed for embedding into online checkout. Provides for loan application, loan offer andcontract initiation payment.