Build. Own. Scale your lending operations 
— on your terms.

Summarize the value proposition: a framework-native platform that lets institutions launch tailored loan products faster while retaining full control over code, data, and compliance.

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$5.5bn+

in loan portfolios managed

7000+

loan applications processed daily

13+

countries served globally

100k+

per year development hours saved

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Discover how TIMVERO’s flexible solutions can elevate your operations with tailored tools and seamless integration.

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1

How timveroOS Works

Framework-Native By Design

Describe the hybrid “buy-and-build” model — faster 
than custom builds, more flexible than SaaS.

SDK & APIs

Extend, integrate, and customize without vendor lock-in

Modular Core

Extend, integrate, and cOrigination, Servicing, Collections, Analytics — all connectedustomize without vendor lock-in

Deploy Anywhere

Cloud, on-premise, or hybrid — your infrastructure, your rules
Start your journey
Request a Demo

2

Advantages

Why lenders 
choose timveroOS

Get the control of a custom system with the speed of a SaaS platform — built to scale with your business.

Full Control, Zero Lock-in

Self-hosted or cloud-deployed; you own
the code and data.


Faster Launch, Lower Cost

Launch in months, not years — up to 12x 
faster than custom builds


Built for Compliance

Framework-native architecture ensures auditability, data integrity, and adaptability 
to local regulations.

Loan Management

Explore the LMS
Info

timveroOS powers the full lending lifecycle — from 
origination to servicing and collections.

Loan Origination System (LOS)

Loan Servicing System (LSS)

Collections and Recovery

Risk and Compliance Automation

AI-Driven Portfolio Analytics

New Feature

AI that builds and optimizes your lending workflows

Explain that timveroAI uses AI-driven automation (RAG-based agent) to configure, optimize, and maintain the client’s lending framework.

Explore AI features

Natural-Language Setup

Build workflows by describing 
them in plain English

Predictive Analytics

Detect risks and 
opportunities in real time

Smart Maintenance:

AI keeps your system
optimized and up-to-date.

Human-in-the-loop:

Control and transparency in
every step of AI automation.

4

Our clients and partners

5

Any lending type

From Consumer to Commercial Lending — one platform for all

Consumer Lending

Personal, auto, BNPL — fully digital
origination to servicing.

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Commercial Lending

SMB, construction, private credit — manage 
complex deals with flexible structures.

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6

Why choose us

Beyond SaaS. 
Beyond Custom.

Explain that timveroOS bridges the gap between 
rigid SaaS and costly custom builds

SaaS solutions

Pros
Quick setup, vendor-managed
Lower upfront cost
Prebuilt workflows
Cons
Limited customization, lock-in
Vendor roadmap & data custody constraints
Unique Value

timveroOS

Pros
Fast launch, full flexibility
Cons
Unique Value
Open APIs to core/GL, rails & bureaus
Hybrid “buy & build” model with open 
SDK and modular core
Predictable TCO (no per-seat traps)
Learn More
See Pricing

Custom Development

Pros
Fully tailored
Tailored integrations & data model
No vendor lock-in
Cons
Long, expensive
High build & maintenance cost
Unique Value

7

Testimonials

Customer reviews

80%

ready-to-use lending infrastructure supplied

Finom

timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.

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90%

cost reduction vs previous solution

Cartiga

timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.

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100%

bespoke origination requirements coverage

AMIO Bank

A leading Armenian bank transformed a highly complex lending concept with guarantor support into a fully automated, production-ready solution in just six months using timveroOS.

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8

Next steps

Get a demo

TIMVERO is a trusted technology vendor for banks and financial organizations on their way to impeccable digital lending. Apply for a quick real-time demo to discuss the details and get a quote.

Ready to start?

Upgrade your loan management system for small businesses and large enterprises in just 3 months.

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