The full credit cycle, inside the same case file
Five working areas — Dashboard, Credit, Risk Centre, Company and Administration — assigned individually to each access profile, plus the two channels that connect the institution to its clients and to the public.
Smart Management
The core of the platform. Three dashboards read the institution from different angles — portfolio, financial and administrative — while the detail lives in the working areas.
Credit simulation
A full amortisation plan from amount, line, rate and instalments — automatically validating the chosen line’s limits.
Assessment and committee
Documents are checked inside the case. Where policy requires it, the case goes to committee, which rules with everything in view.
Expert opinions
Internal and external opinions from banking professionals, each attached to the case with author and date.
Collateral
Photographs, ownership documents, purchase price and comparison with current market price — coverage judged by real value.
Geolocation
The location captured at application travels with the case and supports recovery work in the field.
Contracts and digital signature
Generated from the approved case; each user registers a signature once in their profile and can then sign what their role requires.
Portfolios and officers
Loans, outstanding capital, interest, arrears, assigned targets and performance against them — teams judged by result.
Treasury and accounts
Bank accounts, mobile wallets and financial entities with NIB, IBAN, NUIB, SWIFT, holder and confirmation letter.
Configuration
Credit lines, limits, terms, purposes, period rates, arrangement fees, commissions and charges — configurable, not hard-coded.
Always know where it is stuck and where it came from
Every application becomes a case with its own state, and the list shows at all times how much sits at each stage and which channel produced it.
Internet Banking
Solves online what traditionally requires a trip to the branch. Entry is by username and access PIN, with channel enrolment from the sign-in screen itself — and the institution never asks for the PIN by phone, SMS, email or WhatsApp.
Credit position
What is owed, what falls due next and what is waiting on the client — on one screen.
Simulate and apply
Instalment, cost of credit, capital/interest split and the full plan — then apply without re-entering data.
Collateral and documents
Upload photographs and ownership documents and follow each item through to the accepted value.
Payments and receipts
Make payments and attach receipts, linked to the instalment they belong to.
Institutional website
The website is part of the platform, not a separate brochure. It presents the institution, its track record and its offer — individual microcredit, business loans, agricultural credit, housing, savings and consumer credit. From the site, anyone can simulate a loan and apply.
Most arrears are not bad faith — they are forgetfulness
Automating the reminder resolves the part of default that would never have become default. Communication happens without depending on someone remembering to send it.
Working areas and permissions
The menu only shows what the profile allows — two users at the same institution can see different menus.
See the platform applied to your institution
A 45-minute demo using your own credit lines, rates and decision circuit.