LENDING
Create and manage digital loans in all their variants
Discover unlimited possibilities
Comprehensive management of multi-product accounts. 360 vision, history, and management of all interactions.
Configurable status, rules, and actions.
Complete flow, from onboarding to collections CRM.
Code-free configuration of rates, promotions, points, frequencies, conditions, taxes, among others.
Discover the power and versatility of our Core
Back Office Module
Configuración Module
Guarantees the autonomy, agility, and adaptability of your operations.
Multi-country
Accounting, tax tables, compliance, and local integrations throughout LatAm.
Multi-entity
Manage multiple branches or merchants under the same platform
Multi-product
Manage all your products with independent parameters.
Multi-platform
Impact each flow from web, mobile, or tablet.
Interact with the core directly or consume services via API.
Unique vision
Put your customer at the center, with an integrated view of all their products and operations.
Integrations
Gain agility with a 100% API & Cloud solution.
Offer installments with embedded finance
Choose a proven model
B
Banks
Finance the end customer
Expand their network at no cost to local businesses
Strengthen commercial partnerships
2
B
Retailers and Merchants
Join in days
Increase their sales
Build customer loyalty
2
C
Consumers
Improve access to products and services
Get credit in minutes
Only need their ID
Get more information about LENDING BNPL
Create and manage accounts receivable financing operations
Generate a Factoring & Confirming ecosystem
Factoring
Supplier uploads invoice for receivables
Institutions compete to purchase the invoice
Institution X wins the factoring, the sale is completed
Confirming
Client company uploads invoices for payables
Bank offers advances to suppliers
If the supplier accepts, they are financed
Provide collection tools to the Factor
Issuer and Payer already registered as credit subjects
COLLECTIONS Solution
Traceability
Intervening scoring updates
Monitoring, alerts, reporting
Implement the complete flow for each use case
From Onboarding to Collections
Origination
Biometrics
Decision Engine
Core
Middleware & Scheduler
App
Collections
Reporting
BNPL
Banks
Quantify the products you sell.
In minutes, only with an ID
Bank + Retailer
Partnership
Retailer: Increase sales
Bank: Finance
Financial Institutions
Get a 100% digital channel for your current credit proposal
Producer + Distributor
Partnership
Distributor: Increase sales
Producer: Finance and increase sales
Employee Loans
Build loyalty and enhance your proposition as an employer brand
Student Loans
Loans for students
Get more information about LENDING Factory
The end-to-end solution chosen by leading brands
End-to-end Solution
Prospecting, simulations, pre-approvals
Biometric validation
Automated credit assessment
KYC/KYB (validations)
Segmented payment plans
Digital signature
Collections and portfolio sales
Monitoring, reporting, and alerts
Scope
Offering of automotive loans and leasing. Sale and financing of tracking accessories and services
B2B, B2C (e.g., dealerships, self-service, others)
Multi-device, multi-profile
Operation in different countries simultaneously
Integrations
Dealership with financial institutions and banks
Credit bureaus
Brokers and insurance companies (cross-selling)
Digital Signature Providers
Local public entities
Benefits
Automation of offers
Higher approval rates and lower risk of uncollectibility
Dedicated risk team
Reduction of manual tasks
MVP in weeks
Flexible pricing
Get more information about Automotive LENDING
Personal loans and microloans made faster
Digitize and automate the entire cycle, from origination to collection
Renew credits based on business rules, without reloading information
Provide product financing instantly.
Expand your channels. Define hyper-personalized business rules and deploy them in real-time
Implement any repayment system: French, German, American, with bonus payments for good behavior, grace periods, customized.
Easily integrate with all credit bureaus and institutions.
Incorporate the best market practices, with expert consultancy from consultants at LatAm level in risk and collections.
Get to know the products behind our LENDING solution
A white-label mobile front for credit, product, and payment management.
Available on iOS & Android.
Enables digital onboarding, identity validation processes, and biometrics.
Multi-device workflow for customer and product originations.
Allows you to manage the complete origination: request reception, preliminary evaluation, credit analysis, verification, validation, approval, conditions, and disbursement.
Decision, risk, and scoring engine, with real-time impact.
Allows you to define business rules and automate decisions.
Multi-country, multi-entity, multi-merchant, multi-product, and multi-currency core.
Centrally manages loans, along with other financial products.
Provides a Back Office for user management, operations, and monitoring.
Manages accounts, payments, refinancing, and accounting.
Task scheduler that automates processes and manages interfaces.
- Allows you to extract data from repositories.
- Manages and validates input and output information.
- Updates records.
Link between operating systems and databases with Apps and services. 100% Cloud via APIs.
Provides an additional layer of security.
Simplifies integrations with platforms and payment methods (BNPL, QR, Payment Link), validation services (bureau, phone, mail), and collections input systems.
Accelerates Time to Market and facilitates the incorporation of changes and functionalities.
Ensures that a possible failure does not affect other applications or systems.
Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) product.
Allows you to meet all anti-laundering requirements and prevent terrorism financing.
Integrates KYC/KYB validation processes.
Integrates queries to Terrorist Lists.
Fully navigable and flexible report and dashboard manager, with real-time updates.
Allows you to evaluate campaign performance.
Generates reports by role and profile type, by product type, and by portfolio.
Allows access to all historical data.
Pillars of our technology
LOW CODE
API & CLOUD
MODULAR
OMNICHANNEL
REPORTING
2022
They provided excellent responsiveness to our new requirements and gneral support. The tool is very versatile, allowing non-expert areas in Systems to make policy changes easily.
Project Director
The human quality accompanied by the professionalism and knowledge of their collaborators have been fundamental to assume the proposed challenges and achieve the expected results by the organization.
2023
Even when the system is flexible enough, we've requested changes and they were implemented promptly. The tool defines the required inputs, it is quite dynamic and independent.
Risk Manager
We totally recommend this solution. The implementation process was simple and intuitive, with a full API integration. The solution is flexible, scalable and stable: we've been working for more than 6 years without problems or crashes.
