We run the lending work before and after your credit decision.
We run application preparation, loan administration, and portfolio operations as defined services, around your credit policy and your systems.
What the operation depends on
Most of the work in lending sits around the decision.
Lending runs on complete applications, authorized decisions, accurate records, and steady follow-up. We take on the stages that create the most work.
Who it serves
The lenders we work with.
Banks and credit unions
Credit files and administration that fit your policies and systems.
Independent and nonbank lenders
Operations that grow with your products and channels, inside agreed boundaries.
Commercial and business finance
Spread financials, document follow-up, and credit packages for your analysts.
What we run
Services across the loan lifecycle.
Each service ends in a unit of work you accept. Start with one.
OnboardingOS
Customer and Business Onboarding
Unit of workA completed onboarding or refresh case
CreditOS
Credit Operations
Unit of workAn accepted credit file
ServicingOS
Loan Servicing Operations
Unit of workAn active loan account, serviced for the month
CollectionsOS
Arrears and Collections Operations
Unit of workAn account under management
ReconcileOS
Reconciliation Operations
Unit of workA closed reconciliation cycle
RiskOS
Risk and Actuarial Operations
Unit of workA completed close or model cycle
Who does each stage
The loan lifecycle, from onboarding to provisioning.
We run eight of these stages. Your team or your partners handle late-stage recovery.
Banking and lending · 10 stages
Onboarding
We collect the evidence and prepare every screening hit.
Origination
We complete the file, spread financials, and draft the memo.
Credit decision
Your team decides, by delegated authority or in committee.
Your decision
Documentation and funding
We draft documents, track conditions, and issue funding instructions.
Boarding and servicing
We board loans, allocate payments, and handle payoffs and requests.
Portfolio monitoring
We track covenants, annual reviews, and collateral insurance.
Early collections
We work early arrears within your treatment rules.
Late-stage recovery
Your team or your partners
Cash and reconciliation
We apply cash, match records, and investigate every break.
Provisioning
We prepare IFRS 9 or CECL data and coordinate the ECL runs.
Where to start
Your first scope can be small and commercially meaningful.
Start with a business-loan queue, loan boarding, or a repayment reconciliation, and judge the service on real cases.
We scope engagements across the United States, Latin America, and Europe.
Your first operation
Bring us one operation.
Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.