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Customer Portal (Front Office) | Online registration and guest application via the Web interface Personal customer accounts with login & password Full loan application flow: loan terms selection, application form, bank account verification (plug-in), vendor selection (plug-in) Optional flow to allow applying for financing without specifying loan terms Co-applicants/Guarantors in loan applications (plug-in) Preview of the payment schedule and loan details Loan offer review and accepting with e-signature or manually (plug-in) Payment methods' management in the customer/borrower profile via a payment provider (plug-in) Disbursement and payment transactions history Ability to create recurrent loan applications
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Origination Module (Back-Office) | Creation of loan applications for new and returning customers Customer profile management Personal and loan documents management Managing loan applications created by users from the front-office Loan terms management Loan repayment dates re-scheduling to suit the customer's needs Customer bank details management Customer contacts recording and management
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Collateral Module (Back-Office) | Сollateral assets management for secured loans: Registration of collateral Initial evaluation and re-evaluation of collateral Loan-to-value ratio management
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AI-Driven Decisioning Engine | Fully automated decision-making: |
Underwriting Module (Back-Office) | |
Loan Servicing Module (Back-Office) | Detailed payment schedules and cash flow Funds transfer management One-click disbursements and payments via a payment service provider Batch disbursements via a payment service provider Registration of disbursements and payments performed beyond the system Auto-charges schedule management
Schedule modifications: Promise-to-pay management Manual write-offs Reviewing previous states of the loan
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Debt Collection Module (Back-Office) | Management of overdue loans by collection priority: Loan collectability score Delinquency buckets Action plans for collection strategies Generic phone conversation scripts
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Investor Portal (Web) | |
Investor Management (Back-Office) | Investor account management Investor balance review Depositing funds to an investor's balance Withdrawing funds from an investor's balance Loans bidding Active investments tracking
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Customers management | Customer accounts management Customer profiles management Customer rating review Customer geo-location tracking and analysis Customer profile flags Customer bank details management
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Calculations engine | A variety of loan schedule types (built-in and custom templates) Revolving credit lines Seasonal schedule builder Merchant cash advance credit product Flexible commissions and fees management (built-in templates and custom) Early payments and overpayments management. Open-ended loans Customizable payoff rules Configurable accrual and repayment priority Available choice of interest rate models (APR, XIRR, IRR) Initial schedule vs Actual schedule Automatic generation of periodical loan statements
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Notifications & reminders management | Automated email, SMS, and dashboard notifications on 40+ system triggers (plug-in) Notifications to customers, back-office users, and vendor users Notifications to co-applicant/guarantors (plug-in) 200+ smart markers Notification templates revision Fully customizable set of due date reminders and past-due notifications HTML email template editor. Attaching loan statements, loan agreements, and amortization schedules to notifications Internal chat on a loan for Back-Office and vendor users
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Export & Import | Excel Report Builder (built-in templates and custom reports) Payments export Loans export Customer profile export Payment schedules export Metro2 reports Batch import of customers, loans, disbursements, and payments Manual loan migration
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Vendors | The ability of loan origination by employees of specific vendors and/or stores: Vendor and store list management Vendor and store users' accounts management Bank details management for vendors and stores Specialized workplaces for vendor/store users: Origination Monitoring Export Vendor management
Stores on the map Vendors' loans reports Disbursement to vendors
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Application process management | |
Users management | User (employee) accounts Back-office user profile management Specialized user permissions to regulate access to the workplaces and tools AI-Driven employee KPIs for originators, underwriters, loan managers, and collectors Local offices and branch management.
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Security | |
Logs and Databases | |
Public API | Front-Office functionality coverage Investors portal coverage. Customer's bank payment options management External customers and loans management External payments management.
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Integrations | Paid extensions to the platform which are sold separately and are described in the relevant section |
Mobile application*Paid extensions to the platform which are sold separately. | |