Comarch Loan Origination for SMEs enables more efficient control of credit risk and allows for cutting time needed to grant a loan. The system automates the work of client advisors managing the credit-granting process. It allows banks to optimize SME lending end-to-end: loan simulation, application verification, analysis of customer financial situation, decision making and fund disbursement.
Accelerate your SME lending processes by over 30% and grant simple loans within one hour
Grow your business with a future-proof SME lending solution that can be easily expanded with new loan products or customer segments
Comprehensive SME lending solution allowing you to win customers which might otherwise turn to fintechs
Mitigated credit risk due to automated scoring and risk rating mechanisms plus customer check with both internal and external databases
Increased revenue per loan thanks to process automation
Fraud detection support by verifying if multiple processes have been initiated for the same customer
Single lending channel combining applications from other channels and systems; a comprehensive source of knowledge about your lending business
GDPR, PSD2 and AML IV compliance plus business administration tools that allow you to quickly adapt to legal requirements
End-to-end automation of the loan origination process for different kind of products including commercial finance loans, working capital loans, fixed assets loans, overdrafts, revolving loans, and more
User-friendly SME lending tool that minimizes burdensome and repetitive tasks in processing loan applications; automated credit decisions and risk acceptance included
Facilitated KYC process with data collection from both internal and external databases to perform customer evaluation
Company relations module letting you keep track of your customers’ business relations and associates including Ultimate Beneficial Owners
Access to multiple financial ratios related to client’s situation, presented in a graphic form
One tool to process financial data of a company regardless of its bookkeeping form, with an option to define dedicated financial data forms for startups or agribusiness
Full view of company financial situation with a review of its existing liabilities, both internal and external, with an option to access data from other banks (in line with PSD2)
Simplified covenant management with proper covenants added automatically to loan documents based on agreement type, credit amount, or risk rate
Data quality control; the system checks typed-in data and guides the relationship manager through the whole loan-granting process
Single data entry principle; credit advisors free from having to insert the same data over again
Multi-product agreement allows the customer to try new products without going through the credit application process again
Read more about Comarch Loan Origination for SMEs
Formalities reduced to minimum when applying for a loan: no heaps of documents needed, no lengthy decision processes – plus lending limits calculated based on customer cash flow
Quick fund disbursement, even on the same day, with pre-generated document checklist and document signage via online banking
Transparent limit calculated once for different credit products that can be quickly launched depending on business needs
Different channels for credit application and advisory, online, mobile or – in person, be it in the bank or wherever your customer is
Credit application status notifications that keep customer well informed
Guidance when using loan simulators with an option to play with available loan variants in order to find out the best one
Determining the level of customer reliability with regard to the timely loan repayment is one of the key elements of credit risk assessment. This is done on the basis of a credit history analysis and scoring, based on the customer's characteristics.
It is based on attributing points to customer characteristics reflecting both quantitative (mainly financial data) and qualitative elements (e.g. marital status, education level, etc.). It applies both to individual customers and enterprises (especially in the micro and SME segments).
Tell us about your business needs. We will find the perfect solution.