Lending
Consumer lending software for non-bank lenders and pawnshops
For lenders and pawnshops, where one mistake in a form or an item costs a lot. We put requests, payments and documents in order. Decisions about money stay with a person.
Or call: +359 878 940 990
Where a lender loses time.
In lending and in a pawnshop every document, payment and item has to be traceable. That makes manual retyping a risky spot. Here are five situations and what we would change.
BeforeThe amount and term are keyed into several forms and the contract. It ends up unclear what the client got.
AfterOne approved record fills the package and the fields are compared. A log keeps what the client got.
BeforeThe request comes from the form, by email or by phone and is carried into the credit system. Some requests are duplicated or have no owner.
AfterEach request enters a queue with a region, an owner and an age. Gaps are visible, and the routing can be corrected by hand.
BeforeInstalments arrive through the till, bank transfer and other channels. The accountant compares them with contracts by hand.
AfterPayments are matched read-only, and exceptions wait for a human decision. The system does not move money or change a debt.
BeforePromises to pay and disputes sit in notes. A debt that is already paid or disputed gets chased.
AfterAn internal queue pauses the case on a dispute or an unmatched payment, keeps a log and waits for a person’s review. We do not write to or call debtors.
BeforeIn a pawnshop the item is in a photo, on a label and in a ledger, and the three do not agree. Finding it takes time.
AfterThe ticket, the photo, the label and the storage place are one chain. A person values and accepts.
What we would build
- Forms and contract filled from one approved record, with a field comparison.
- An intake queue for requests by office and channel.
- Read-only matching of payments, with a list of exceptions.
- For pawnshops: a chain of ticket, photo, label, place and item history.
- Item statuses with blocks on an unchecked payment or a dispute.
How we start
- Meeting
One meeting about your real day: who sends what to whom and where time is lost.
- Demo
You see a working demo on examples from your own work before you decide.
- Build
We build the system on your data and your documents. It is yours.
A person decides.
We do not assess creditworthiness, approve or refuse loans automatically, or use registers in your place. Selling an item, charges and messages to clients are authorised by a person. The rules and templates come from your lawyer.
Related
Tell us what hurts.
We start with one meeting where we listen first. Write to us or call.
Or call: +359 878 940 990