Client Portal
A branded space where your customers see their documents, requests and invoices without emailing you.
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OverviewCase Handler1 / 6
FinanceLendingLive
Loan Origination
Lending decisions get challenged, and the file is the defence. This build records what was known, what was decided and why, in a form a regulator or an ombudsman can follow.
From$799
- Function
- 22
- Roles
- 3
- Users
- Unlimited
- Next.js
- TypeScript
- PostgreSQL
- Auth.js
Inside the app
What it does out of the box
22 connected functions on one schema, spanning three permission levels. Everything below is in the template before a line of customisation.
Dashboard for Tom
7 applications are with underwriting and 9 have outstanding conditions.
Applications
Every case and its stage. Time in stage is visible, because that is what slips.
Documents
What was supplied, when, and whether it was legible enough to rely on.
Conditions
What must be satisfied before drawdown, and who owns each one.
Decisions
Approve, decline or refer, with the reason recorded against the policy rule.
Affordability
Income, commitments and stress testing. The arithmetic is shown, not hidden.
Lending policy
The rules decisions are measured against, and who may override them.
Audit log
Every decision, override and policy change. Retained per your regulator's requirement.
Permissions
Three roles, one build
A case handler gathers and chases. An underwriter decides, within a mandate. An administrator sets the policy those decisions are measured against. In lending the separation is not a nicety. It is what makes the file defensible.
- Take applications and progress stages
- Request and verify documents
- Chase conditions before an offer expires
- Record why a document was rejected
- Cannot approve, decline or override
- Everything a case handler can do
- Approve, decline or refer with a reason
- See affordability arithmetic in full
- Request a policy exception, recorded
- Refer above-mandate cases to committee
- Everything an underwriter can do
- Set policy thresholds and stress test
- Set underwriter mandates
- Control who may override which rule
- Read and export the audit log
The build
Every function in the box
9 screens, all of them live in the preview. Nothing on this list is a mockup or a roadmap item.
Access
- Sign in
Cases
- Overview
- Applications
- Documents
- Conditions
Underwriting
- Decisions
- Affordability
Administration
- Lending policy
- Audit log
What you get
Delivered as a repository, not a login.
Lenders, brokers and finance providers writing 50 to 5,000 agreements a year.
- 9 production functions spanning three permission levels
- Full source code and PostgreSQL schema in your repository
- Role-based access control, enforced server-side
- Immutable audit log written on every change
- Responsive layouts, usable on a phone, not just resized
- CSV import and export on every core record
- Deployment configuration for your cloud account
- Twelve months of updates, and no per-seat charge ever
Access and evidence
A file that survives a challenge
A lending decision can be challenged years later by a customer, an ombudsman or a regulator. What protects you is not the decision but the contemporaneous record of what was known and which rule was applied.
- Every decision cites the policy rule it was measured against
- Assessment data is snapshotted at decision, not re-queried later
- Overrides record who authorised them and on what grounds
- Declines record a reason that can be given to the applicant
- Nothing in the case file can be edited after a decision, only appended
- Above-mandate cases cannot be approved, only referred
- Retained for the life of the agreement plus the statutory period
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Questions
Loan Origination, in practical terms
Not covered here?
Ask a consultant directly. No form to fill in first, and no follow-up sequence.
Book a consultantAll questionsDo I get the source code for Loan Origination?
Yes. The repository, application code, database schema, migrations, seed data and deployment configuration, is transferred to your organisation on delivery. There is no licence key and nothing that calls home.
Does this make us compliant with lending regulation?
No, and be sceptical of any product that says it does. It gives you the mechanisms compliance depends on, policy rules applied consistently, decision reasons recorded, assessment data snapshotted, an append-only case file and full retention. Whether you are compliant depends on your permissions, your policies and how you operate. We scope the specific controls your regulator expects as part of a fitted build.
Does it make lending decisions automatically?
It applies your policy rules and shows the result, but a human approves, declines or refers. Automated decisioning is possible in a fitted build, though in most jurisdictions it carries obligations around explainability and the right to human review, which is a conversation to have before, not after.
Can it connect to credit reference and bank data providers?
Yes, and this is usually the first integration clients ask for. Credit reference agencies, open banking affordability data and identity verification are all standard integrations in a fitted build.
Can Loan Origination be changed to match our products?
That is the usual route. A fitted build sets up your products, policy thresholds, stress test, mandate structure, document requirements, offer templates, branding and up to two integrations, and typically takes one to three weeks from a signed scope.
What does it cost to run?
Hosting only, paid to your own cloud provider, roughly $50 to $200 a month, plus whatever your credit reference and identity providers charge per check, which you pay them directly.
Start here
Want Loan Origination shaped around your process?
A fitted build adjusts fields, stages, roles and integrations to how your team already works. One scoping call, a fixed price, one to three weeks.
- No sign-up to open one
- One-time price, no seats
- Source code transferred on delivery
