One answer for all aspects of
your lending business

From personal loans to syndicated project finance

LEARN ABOUT OUR RANGE OF SERVICES IN THE CREDIT ENVIRONMENT

With the isfinancial platform, solutions for all customer segments, credit products and loan processes can be implemented in a targeted manner for your company. 

 

A Solution for all

Customer Segments

From Retail to Commercial

Realisation for all

Credit Products

From Automobile to Offshore Wind Farm

Mapping of all

Loan Processes

From New to Existing Loans

Retail or commercial?

While our customers in the field of retail banking are generally concerned with achieving competitive advantages through automation and faster decision-making, providers of specialized financing attach particular importance to ensuring structures that master each deal's complexity.

What unites our customers is the pursuit of differentiation when competing for clients. 

Owing to our solution platform, which is specially developed for the requirements of financial service providers and credit institutions, we can provide loan solution modules for all customer segments.

Largely standardised business processes, e.g., retail banking's consumer finance or residential mortgage lending can be supported in the same way as complex investment projects for commercial customers. If you have both, the better. We offer a solution platform for your entire lending business.

We want you to leverage your own special strengths. Take advantage of the possibilities of a software solution individually tailored to your business.

The implementation of a digital loan application template pays off economically

Download the white paper for free now.

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A SOLUTION FOR ALL CUSTOMER SEGMENTS

Retail Customers
SMEs
Commercial Customers
Large Corporate Customers

An AUTOMOBILE OR AN OFFSHORE WIND FARM?

From simple consumer finance to project finance. Whichever area of banking you wish to excel in, our experts create solutions that make a difference. Tailored to your business model.

Whereas the challenges with consumer and housing construction finance lie in the standardisation of products, collaterals, documentation requirements, analyses and the automation of decision-making processes, complex financing projects consistently require the control of other data situations. Processes must take the particular circumstances of each individual case into account.

Perhaps you do not wish to make concessions in one area or the other?

We can do both.

Digitalization of Structured Finance

Read our expert document.

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A SOLUTION FOR ALL CREDIT PRODUCTS

Consumer Lending
Residential Construction Financing
Overdrafts
Leasing
Grants and Subsidies
Loans for Working Capital
Financing for Capital Expenditures
Project Finance
Export Financing
Syndicated Loans

NEW OR EXISTING Loan?

In light of the continuous increase in regulatory requirements and system landscape evolution, customer onboarding und new lending pose a challenge to new IT systems. With our solution modules for business origination, analysis, decision-making, and follow-up processing, you will achieve considerable efficiency advantages.

Fortunately, customer relationships do not come to an end after the initial extension of credit. Business partners marry, move house, want different products or want to change the collateral provided, or make special repayments. Companies merge, buy shares in other companies, set up new business premises, or run into financial difficulties.

The really great potential for automation can be found in supporting the existing portfolio of business. A prerequisite for this is to master all the system data.

Our loan specialists can build solutions for you that do both.

“New business processes are by no means our greatest challenge. We see an incredible potential for increased  efficiency in working with the existing portfolio of business – and enthusiasm on the part of our customers.”

 Digitalisation Program Manager at a Commercial Bank

A SOLUTION FOR ALL NEW LOAN PROCESSES

Business Origination and Pre-processing
Business Analysis
Credit Decisions
Subsequent Processing
Concluding the Transaction

... AND ALL LOAN PROCESSES FOR EXISTING BUSINESS

Data Maintenance for the Existing Lending Portfolio
Product Changes
Collateral Changes
Risk Monitoring
Repayment and Terminating the Credit

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EXTRACT FROM PROJECTS WITH OUR CUSTOMERS

Our customer base includes banks, financial service providers, data centers as well as banking industry associations. More than 100 banks rely on solutions based on isfinancial. In the interest of our customers, we treat references as confidential. Examples from customer projects are thus anonymized.

State Regional Bank

State Regional Bank, Germany

Expert workplace corporate loan processing:

  • End-To-End Processing of complex corporate loan applications (standard, workout, restructuring, structured finance, project finance)
  • Audit-trail.
Commercial Bank

Commercial Bank, Germany

Processing platform corporate loans:

  • Process-driven platform for corporate loan business (integration of front and back office operations).
  • Substitution of MS Word and MS Excel documents.
Banking Data Centre

Banking Data Centre, Germany

Strategic application on platform for corporate loan business:

  • Modernization and bunding of applications for SME and corporate loans.
  • Group-wide collaboration support.
State Regional Bank

State Regional Bank, Germany

Solution platform for balance sheet analysis:

  • Process-driven balance sheet analysis for corporate loan decisions.
  • Repayment scenarios and forecasts.

Get to know a customer project in detail:

A German Universal Bank on its way to Credit Management 4.0

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