Digital Loan Management System
No matter if you are already an established loan provider or just about to start your lending business with a few products or segments, ApPello’s Digital Loan Management System is a perfect tool for you to automate your loan servicing processes from creation of products, to disbursement until termination of the loan. ApPello’s Digital Loan Management solution supports product types that are relevant to Retail, SME and Corporate credit processes and handles all the events during the loan’s whole life-cycle, thanks for ApPello’s Digital Platform which forms the fundamentals of the Loan Management System and provides much needed flexibility to the credit institute. Advanced users can define and maintain workflows, configure business rules, screens, and modify page layouts themselves.
Enhancing your product portfolio has never been so easy – you can easily configure a new product, run the necessary tests and enjoy the benefits of launching new products in days over months. This innovative, flexible and unified set of tools will help your organisation face the current and future challenges of the banking world. The Digital Loan Management platform implements a comprehensive credit product administration, offers fee handling, easy document generation and native integration to ApPello’s Digital Collateral Management System to make your lending business as smooth and seamless as never before.
If you are a start-up Fintech disruptor or looking to renew your entire lending technology landscape ApPello is best positioned as your technology partner with its Digital Loan Origination platform and Digital Debt Collections platform which are natively integrated with ApPello’s Digital Loan Management System. Our Digital Lending product family are built on ApPello’s Digital Lending Platform which enables frictionless operations from front to back. ApPello offers its Digital Loan Management primarily as SaaS and as on premises solutions upon request. The solution is cloud agnostic and can leverage AWS, Azure or Google Cloud Platform’s native technologies.
capabilities
  • serves retail, sme and corporate business
  • SUPPORTS CASH LOANS THROUGH REVOLVING LINES TO MORTGAGES FOR RETAIL AND SME
  • SUPPORTS CLASSIC AND COMPLEX CORPORATE LOAN TYPES
  • HANDLES ANNUITY, LINEAR AND INDIVIDUAL REPAYMENT STRUCTURE AND RECALCULATIONS
  • COMPREHENSIVE FEE CALCULATIONS CAPABILITY, INCULDING INTEREST BEARING FEES
  • OFFERS SOPHISTICATED REPORTING CAPABILITIES
  • DOCUMENT MANAGEMENT AND TEMPLATE-BASED PRINTING
  • NATIVE INTEGRATION TO APPELLO’S LOAN ORIGINATION, COLLATERAL AND COLLECTIONS SYSTEMS
  • EASY INTEGRATION TO EXTERNAL SERVICES & 3rd PARTIES
  • DELIVERED AS SAAS
benefits
  • COVERS ALL LOAN PRODUCT TYPES AND ENTIRE LOAN LIFECYCLE
  • MANAGE RETAIL, SME & CORPORATE CREDITS WITH THE SAME PLATFORM
  • SHORT TIME-TO-MARKET GIVEN HIGHLY FLEXIBLE DIGITAL PLATFROM
  • SCALABLE TO GROW FROM SMALL TO LARGE CLIENT BASE
  • MODULAR SOLUTION HELPS TO GROW STARTING SMALL
  • OMNICHANNEL APPROACH
  • DATA CAN BE EASILY VISUALIZED AND REPORTED TO SUPPORT BETTER DECISION MAKING

 

Download Solution Overview!

 

1 FOR ALL SEGMENTS AND PRODUCT TYPES

The application supports the retail and corporate credit processes during the loan’s entire life-cycle and implements a comprehensive credit product administration.

For the Retail & SME segment it can handle cash loans, credit lines, revolving loans, mortgages, lombard loans, state subsidized loans, etc. For Corporate lending any type of corporate loans, revolving lines, refinancing, project financing, overdraft support, working capital loan, loan syndication or any other bespoke loan types.

You can identify the product and its properties in the product catalogue. The product definition specifies exactly which parameters of a particular transaction type are fixed, which parameters can be varied in which range. You can freely set up its own product structure and going to market with a new product or idea has never been easier before.

2 ALL-ROUND EVENT HANDLING

ApPello Digital Loan Management System can handle all types of events and transactions that are related to the loan lifecycle. It helps with creating and validating loan transactions with four-eye principle, automates loan disbursement, can effectively handle early repayment or rescheduling, expiry, termination. These events are supported by day-based calculation of interest, fees, fee handling, notification generation, automatic collection at due date, document handling and template-based printing for your effective operation and highest convenience.

3 A SYSTEM THAT GROWS WITH YOU

ApPello’s Digital Loan Management System will be a true partner on your journey, as it is extendable with other ApPello Lending or 3rd party applications as you grow. Moreover, we give the administrative users options to create and modify workflows and databases, to design screens and templates, which results in significant cost savings and allows faster product introductions to the market. Using ApPello Digital Loan Management System, the cost of maintenance and the expenses of the various software can be reduced. Instead of long -term and fragmented software development just utilize the power of ApPello Digital Platform!

4 OMNICHANNEL APPROACH

Banking customer experience as well as internal user experience requires omnichannel mind- and toolset. We designed our white-labelled solutions with mobile devices and other corporate channels in mind. This means our loan management solution is easy to set up with any imaginable digital interface. Updating your staff’s daily routine and workflows, the solution can be set up on the bank’s restricted, verified in-house mobile devices.

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