The Loan Factory

  • Dramatic simplification of your infrastructure and your loan processing line
  • Extraordinary simplicity of the daily operations
  • Universal solution
  • Maintaining control on the credit risk
  • Access to an unprecedented commercial reactivity
  • Digitalization of the entire loan processing line
  • Advanced set-up mechanism allowing full tailoring of your system
  • Decrease of your IT processing costs in the range of 50 to 80%, without investment
Dramatic simplification of your infrastructure and your loan processing line
Dramatic simplification of your infrastructure and your loan processing line

All the infrastructure required for the production and the management of your loans are transferred to the Loan Factory allowing a radical exit from a complex infrastructure built over years of successive stacking of hardware and software, which have led to a loss of command and uncontrolled costs.

The Loan Factory is a unique provider for your entire loan activity, enabling you to shift your investments expenses (CAPEX) into operating charges (OPEX)

You can then concentrate on your business solutions

 

Extraordinary simplicity of the daily operations

A simple https or VPN connection allows you to access the entire solution, without installing anything on your production and management entities. Access to the solution is given with a best practice set of parameters covering all aspects of your loan activity. You can then modify the set-up as you need.

 

Extraordinary simplicity of the daily operations
Universal solution
Universal solution

The entire loan processing line – origination, management, accounting, debt-collection – is included in the Loan Factory. All types of loans – redeemable and revolving (simple and multi-plan), sales finance, mortgage, Islamic, car loans and leasing are available in the Loan Factory; Consumer loans and retail loans can be offered as well as loans to professionals and microcredit

All distribution channels – branches, external point of sales, car dealerships, brokers, Internet (including through mobile devices), tablets – are integrated in a single tool

If you operate on several countries and / or markets, the same tool is available for all your entities, all the local specificities being integrated through different set-up parameters. All User Interfaces are available in any alphabet / language / character set.

 

Maintaining control on the credit risk
Maintaining control on the credit risk

Risk management is of course the key to a commercial success and a perennial profit. The Loan Factory provides you with a very powerful decision engine allowing for the set-up of an unlimited number of client risk analysis and control strategies.

The set-up can use scorecards, business and expert rules, credit bureaus and blacklists queries with no limit.

The Loan Factory can be set up with as many risk strategies as required (Segmentation by product, by distribution channel, by client group …).

 

Access to an unprecedented commercial reactivity vis-à-vis your competitive environment
Access to an unprecedented commercial reactivity vis-à-vis your competitive environment

You totally control the set-up of the tool, enabling your immediate reaction in case of change on the market (creation of a new loan product in order to be reactive to the competition, implementation and operation of a new risk strategy), as well as an implementation of the changes live mode within the day without depending on any external or internal provider, and at a zero cost

 

Digitalization of the entire loan processing line
Digitalization of the entire loan processing line

A 100% digital processing line, with an Electronic integration of all documents linked to the loan contract and to its management. Integration of the electronic signature (with electronic signature and encryption of the loan via a certificate provided by a trusted third party) is also possible.

 

Advanced set-up mechanism allowing full tailoring of your system
Advanced set-up mechanism allowing full tailoring of your system

By a simple set-up you define the data models (fields and validations), the look and feel and the contents of your screens, the distribution workflows, the print-outs and their contents, the risk control strategies, the products and commercial offers, the commissioning of your sales network, the accounting chart and rules, the provisioning rules, and the debt-collection workflows and strategies.

You keep control over your parameters and thus over the management and control of your core business

Set-up of the Loan Factory can be local or centralized depending on the internal policy of your group: you can use the same tool for all your subsidiaries, the differentiation being made at the level of the parameters

 

Financial
Financial

From 50 to 80% loan processing cost decrease compared to market solutions or internal solutions (source: EFMA study).

No investment are required (CAPEX) , all investments are taken care of by the Loan Factory, so you end up having almost only exclusively variable costs (OPEX) defined based on a « pay-per-use » model: charges are proportionate to the volume of loans distributed or managed by you and at an unprecedented level.