The Cloud Lending revolution is here

Build the lending platform of the future, and unlock new sources of value and revenue creation. Gain an unbeatable time-to-market by configuring performing front-end, middleoffice, backoffice, and servicing workflows, all in one place.

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Number of
loan applications
processed by
since the origin:




The retail lending market
is in rapid and constant evolution

new credit players
New competitors

new products
New products

new sales channels
New sales channels

Regulations are becoming
increasingly complex
in all countries, making compliance
more and more difficult.

new credit players


circeo logo color

Your solution to develop tailor-made financial products via its universal platform and to manage them throughout their life cycle

End-to-end integrated platform Complete credit life cycle management

integrated solution
Full loan life cycle management

origination and decision
to account management,
servicing and collections

Omni-lending features

Omni-lending functionality

All retail loan products and activities are covered, including mortgages and SME loans, supporting any distribution channel

Reduced operating costs

Reduced costs of operation

Pay-per-use model allowing to significantly reduce IT processing costs, increasing productivity and profit margins

custom deployment

Easy deployment & management

Fully customizable cloud-ready architecture deployable anywhere in the world on private or hybrid cloud infrastructure

omni-channel experience api ready

& API ready

Runs on multiple channels such as branch, internet and mobile.
API-enabled platform ready to integrate with any third-party banking system

On-the-fly product creation

On-the-fly product creation

Unbeatable time-to-market
made through configuration
instead of programming.
Creating a new product
is a matter of minutes



Your solution to develop financial products via a universal platform, and to ensure that it is management throughout their life cycle.

API gateway


Complete separation
of the API layer
from the core

APIs exposed in
a specific layer

data mapping


Transformer module
for mapping data via
a graphical interface

technologies and protocols

Control of multiple technologies and
communication protocols

Web Services (SOAP, REST)
– Synchronous; Messaging
(JMS, AMQP) – Asynchronous;
And more exotic methods:


Highlights and
key features

clock icon

Minutes to complete
a loan application

with increased
transformation rates using real-time processes

chatbot icon

Chatbot instead of form filling experience,

hardly any data captured by the customer

facial recognition icon

Facial recognition

and validation against documents covers all ID / KYC requirements

magnifying glass icon


checks performed in the background

Scoring based on
real financial

behavior from
Open Banking
avoids the need to
collect traditional data

Document recognition

avoids unnecessary
data capture by using
OCR technology

Electronic signature

fully compliant with
EU regulations

In production today

in France at a major Consumer Finance Specialist



Full digital and
local requirements

No general regulation covering
fully digital contracting of loan
contracts exists. Greenlight can
befully tailoredto each country’s
requirements depending on:

  • Credit bureaux and other local risk management requirements
  • Availability of local databases to obtain and verify address details
  • Open Banking implementation levels
  • “Wet signature” v digital signature regulation
  • KYC requirements
    (video chat available for countries that require it)
  • Cooling off period implemented according to local regulations
  • Upload of documents where required

Greenlight responds very quickly and flexibly to change


Working together!

Legacy Banks have the
customer relationship and
a wealth of information

Challenger players have
speed and agility in their
favor but need to break

Both can win from the
benefits provided by
Open Banking and full
Digital implementation

is the right
to your



An Alliance of Business
and Fintech Expertise

An international team that resolves complex lending issues and speaks the language of their markets

Fintech experts who provide our clients with one of the most innovative and reliable loan management platforms on the market

TheLoanFactory is the first platform





iso 27001 certification
ISO 27001: 2022

TheLoanFactory offers a configuration engine consisting of microservices and graphical interfaces allowing business specialists to create, without coding:

  • Financial products
  • User interfaces
  • Customer and prospect communications
  • Print-outs

  • Distribution processes
  • Compliance rules
  • Accounting rules
  • Strategies collection …



Technical partners

ibm logo

The platform is hosted
in cloud
or data center of IBM.

Partners with a technical offer
integrated into TheLoanFactory

QuickSign: KYC, documents upload, OCR and automatic checks, electronic signature

Ubble: KYC solution

Twilio: video chat streams for subscription process

Algoan: chatbot, scoring on open banking data

Syspertec / Synapse: connection to French negative bureau, AML / PEP checks

Netheos: KYC, documents upload, OCR and automatic checks, electronic signature

Monext Retail Online: card transaction authorization

Bridge-Bankin: PSD2 bank aggregation

BudgetInsight: PSD2 bank aggregation

Tink: PSD2 bank aggregation

Jumio: KYC and AML / PEP services

accenture logo

Our preferred business partner for the deployment projects of TheLoanFactory is Accenture. Accenture and Circeo have created a jointed Delivery Center for this purpose.


One of the

A consumer

A retail
bank in
Central Asia



Supervisory Board members

alain breuils

Alain Breuils

Chairman of the
Supervisory Board

40 years of multinational
experience in credit

International Director at Renault Crédit International,
CEO of Fiat Capital,
Deputy CEO in charge of Strategy and Development at Crédit Agricole Consumer Finance

Cornelius Walter

Cornelius Walter

Member of the Supervisory Board

Impact investor committed to mitigating climate change & improving E2E food chains

23 years with McKinsey & Company in Germany and Hungary

Advised financial institutions, energy companies and clients in a broad range of other industries on growth strategies and large-scale transformations as a Senior Partner

Helped build McKinsey’s presence in Central and Eastern Europe (CEE), served as Managing Partner of McKinsey in Central Europe and, before that, as Managing Partner of McKinsey’s Budapest office

Bertrand gossart

Bertrand Gossart

Member of the Supervisory Board

25 years of multinational experience in consumer finance and retail banking

CEO in Poland, Russia, Kazakhstan

Renault Crédit International, Cetelem, Société Générale, Alliance Bank, Eurasian Bank, Capital Bank

Louis chauvel

Louis Chauvel

Member of the Supervisory Board

30 years of experience in quantitative, structural and behavioral social sciences

Professor at the University of Luxembourg

Management team

laurent clerc

Laurent Clerc

Founder, President of the Management Board

25 years of multinational
experience in loan

20 as origination
and management
solutions provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus

Expert in risk

RCI, BNP Paribas Personal Finance

matthieu job

Matthieu Job

Founder, Member
of the Management Board, CEO of Circeo Hungary

20 years of multinational
experience in retail banking

Loan origination
and management
systems provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus

Societe Generale

Bálint Horváth

Bálint Horváth

Founder, Member of the
Management Board,
President of Circeo France

20 years of multinational
experience in
consumer finance and
retail banking

CACF Hungary,
France, Saudi Arabia

Loan origination
and management
systems provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus

Andre Bonfiglioli

Andre Bonfiglioli

UK Representative,
Commercial Manager

35 years of
experience in
Consumer Credit and
Retail Banking

Business Leader /
CEO / COO in UK,
Italy, Spain, Taiwan,
Ukraine, CEE

International Director

American Express,
BNP Paribas Personal Finance, UniCredit


Sándor Ungvári

Sándor Ungvári

Chief Technology Officer

15+ years of experience in software development and operation

10 years at the retail lending solution for OTP Bank Hungary

Implementation projects in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus

Expert in cloud native SaaS solutions




Mijail Carpio

Sales Manager
Western Europe / LATAM

T +33 6 01 25 20 16

Paris, France

Jerzy celichowski

Sales Manager, Central Eastern Europe / Asia

T +36 20 454 6548

Budapest, Hungary

Andre Bonfiglioli

Commercial Manager
United Kingdom

T +44 7740 257236

London, UK


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