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SDK.finance
Lending software

Product

End-to-end Loan Solution from the reliable core banking vendor SDK.finance

  • SDK.finance offers lending software in commercial, syndicated, consumer, P2B, and P2B lending. Customer-centric digital borrower experience is complemented by the end-to-end loan management process that ensures rapid turnaround times for the entire loan lifecycle. 
  • The white-label lending platform makes borrowing and lending easier for everyone by using innovative technologies like artificial intelligence and robotic process automation to streamline onboarding, ensure better risk management, and accelerate loan approval decisions. 
  • Our intelligent loan software for lenders enables banks, financial companies, mortgage firms, and credit unions to reduce the complexity and cost of managing multiple platforms. The Loan Solution’s easy-to-understand functionality gives you a complete view of the loan management process, customer relationships, workflows, compliance, and calculations in a single platform. 
  • Our loan software shortens the loan lifecycle time and delights customers with a superior experience through data aggregation, stronger verification processes, and automated documentation flow. Build loyalty from customer satisfaction and reduce customer churn with SDK.finance lending software. 
  • Our 15+ years’ experience in FinTech development makes us a proven partner for building the loan products of tomorrow. We will guide you through all the stages of digital transformation, starting from market research to launching and scaling your product. 

Features & functionality

Scalable growth

Enter new markets, introduce new products quickly, and increase your profit margins without infrastructure holding you back. Our lending software offers limitless scaling so you can start small and grow fast. 

Easy deployment

With over 15+ years’ experience in FinTech, we know first-hand the complexity of deploying a money lending solution. That’s why our lending software can be implemented in months instead of years. 

AI credit scoring

SDK.finance credit scoring algorithm is based on artificial intelligence (AI) and machine learning (ML) technologies. AI scoring is a great solution for credit scoring using more data to an individualized credit score based on factors including current income, employment opportunity, recent credit history, and ability to earn in addition to older credit history. As a result, credit scoring using AI provides more sensitive, personalized credit score assessments based on an array of additional real-time factors.

End-to-end integration

Reduce turnaround time by controlling all stages of the lending process in one comprehensive lending software. Onboarding, credit assessments, loan origination, underwriting, disbursal, and repayment are all integrated into one so you can maximize your efficiency. 

Accurate risk assessment

Minimize risk and maximize revenues by allowing borrowers to prove their creditworthiness with tax data, bank statements, and financial documents. Collect the data you need with intuitive client registration flows, secured with OTP, AML, and KYC. 

Actionable insights

Collect, churn, and process consumer data with powerful machine learning tools to generate expert insights and evaluate performance. Prevent unnecessary losses by detecting anomalies and bottlenecks with our loan solution for lenders.

System roles

Several key system roles:

  • Administrator
  • User
  • Investor
  • Compliance

Loans Description

The list of loans for the Individual role contains the following fields:  

  • Loan amount – initial loan amount
  • Dates
    • Loan date – loan issue date
    • End date – loan maturity date
  • Outstanding amount – outstanding loan balance
    • Loan – outstanding principal balance
    • Percent – outstanding interest balance (recalculated after every repayment if a client pays more than the scheduled amount) 
  • Next payment
    • Date – date of next scheduled payment 
    • Amount – amount of next scheduled payment 
      • Loan – principal amount in next payment
      • Percent – interest in next payment
  • Status – New, Active, Closed (TBD)
  • Actions – a menu with actions in the drop down menu 
    • View details
    • Pay 

For the Compliance manager role there’s a Loans menu to confirm or decline loan requests. The list of loans for the Compliance manager role contains the following fields: 

  • Client’s full name
  • Client’s contact details – email, phone number
  • Loan amount – requested loan amount 
  • Dates
    • Loan date – loan issue
    • End date – loan maturity date
  • Outstanding amount – outstanding loan balance
    • Loan – outstanding principal balance
    • Percent – outstanding interest balance (recalculated after every repayment if a client pays more than the scheduled amount) 
  • Next payment
    • Date – date of next scheduled payment 
    • Amount – amount of next scheduled payment 
      • Loan – principal amount in next payment
      • Percent – interest in next payment
  • Status – New, Active, Closed (TBD)

Loan origination

Loan origination describes a process where a buyer obtains a loan or a mortgage from a lender. Allow borrowers to fill out an application and supplement it with supporting documentation that is passed onto the lender for screening. Verify the borrower’s income, financial status, and credit risk to make sure they qualify for a loan, negotiate the terms, and finalize the loan application, all within our loan software for lenders. After the loan is processed and approved, the settlement takes place, and funds are disbursed quickly and efficiently. 

Loan management

  • Control and manage loans with ease using the Admin dashboard that includes Investment and Loans tabs.
  • Adjust the percentage investors receive based on the investment period and amount.
  • Modify the mark-up added to a selected investment based on different parameters, such as a customer’s credit score and loan size.
  • Select percentages for late mandatory payments and fees for issuing loans.

Lending solutions

Commercial lending

Enable businesses to fund major capital expenditures and cover operational expenses that they may otherwise be unable to afford. Increase your earning potential by providing qualifying businesses lines of credit, unsecured loans, or renewable term loans. Achieve better cost efficiency and growth with commercial Lending Software. 

Syndicated lending 

Take part in financial opportunities and spread risk by syndicating loans that may be too large for your individual capital base or require a specialized lender. Meet the complex financial market needs with our syndicated lending software that covers risk management, loan origination, and servicing in a single system. 

Consumer lending

Modern digital consumer credit journeys powered by our Loan Solution enable financial companies to delight customers with financing for personal, family, and household purposes. Whether it’s credit lines, secured, unsecured, or car loans, consumer lending supports clients when they need it most. 

P2B lending

Capitalize on the new lending models enabled by the increased digitization with our white label lending platform. Peer-to-business (P2B) lending provides a unique opportunity for people interested in higher returns and low fees to finance businesses directly. Expand your portfolio by connecting the public directly with end-lenders. 

P2P lending

Capture customers who want to cut out middlemen and finance other individuals directly through peer-to-peer (P2P) lending. Connect qualified borrowers directly to investors interested in higher rates of return, set rates, manage terms, control eligibility, and enable transactions with our loan management software. 

How do we supply it?

SDK.finance lending platform is available in two formats:

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Build your Lending Platform with SDK.finance

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Build your Lending Platform with SDK.finance

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