The Lending Operating System for Those Who Refuse One-Size-Fits-All
TIMVERO’s framework-native loan management software bridges the gap between rigid SaaS platforms and slow custom projects, delivering configurable origination, servicing, and AI analytics within a single, adaptive framework.
Tailored lending software, delivered at the speed of SaaS.
$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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1
How timveroOS Works
Framework-Native by Design - The Architecture Behind Speed and Control
timveroOS brings the best of both worlds - the agility of SaaS and the ownership of custom code. Its framework-native design allows lenders to assemble, extend, and govern lending systems at record speed, without surrendering control.
Open SDK and APIs: extend without lock-in
Modular core: connected workflows, unified data
Deploy anywhere: your infrastructure, your rules
2
Advantages
Why lenders choose timveroOS
Get the control of a custom-built system with the speed and simplicity of a SaaS platform: all within a framework designed for scalability, auditability, and long-term ownership. timveroOS helps lenders modernize fast, reduce implementation cost, leverage AI in a meaningful way, and maintain full control over data, logic, and compliance.
Own Your Platform, Own Your Data
Self-hosted or cloud-deployed, timveroOS gives you full control over workflows, data models, deployment, and upgrades — without vendor lock-in. You decide how it runs and evolves; you own the code and the data.
Launch Faster,
Lower Your Costs
Pre-built modules for origination, servicing, collections, and analytics significantly shorten delivery timelines and reduce development effort. New lending products go live in months, not years.
Build for Compliance, Prove It Clearly
timveroOS embeds compliance into the framework, versioning every rule and approval as code to maintain full transparency and traceability. Audits, reviews, and regulatory changes are backed by a complete, verifiable history.
Powering the full lending lifecycle
timveroOS covers all stages of the lending journey: origination, servicing, collections, and portfolio optimization. Each module runs independently yet operates on one data, policy, and compliance layer, giving you full visibility and control from onboarding to recovery.
Loan Origination System (LOS)
Loan Servicing System (LSS)
Collections and Recovery
Risk and Compliance Automation
AI-Driven Portfolio Analytics
Risk and Compliance Automation
New Feature
AI that builds and optimizes your lending workflows
timveroAI is the intelligence layer of timveroOS: an AI agent that turns business requirements into executable workflows, keeps systems optimized, and evolves configurations safely over time.
Natural-Language Setup
Predictive Analytics
Smart Maintenance
Human-in-the-loop
4
Our clients and partners
5
Any lending type
From Consumer to Commercial Lending - one platform for all
Consumer Lending
Digitize the full lifecycle for personal, auto, and BNPL products: from instant onboarding to repayment and collections. timveroOS connects credit rules, affordability checks, and servicing operations into one flow, enabling faster decisioning, clean accounting, and fully compliant customer experiences across every retail channel.
Commercial Lending
Manage sophisticated products such as SME, construction, or private credit with precision-fit workflows. timveroOS supports complex deal structures, collateral management, and covenant monitoring through configurable modules and APIs. mance tracking, and faster credit operations at scale.
6
Why choose us
Beyond SaaS. Beyond Custom.
timveroOS bridges the gap between fast but limited SaaS and flexible yet costly custom builds. It combines the scalability of cloud software with the autonomy of owned code, giving lenders the only framework-native loan management platform that delivers both speed and control.
SaaS solutions
timveroOS
Custom Development
7
Customer experience
Case studies
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.
8
Next steps
Ready to build your next lending system on your terms?
Discover how TIMVERO’s lending operating system enables you to modernize core lending in months, maintain audit-ready governance, and own your data, code, and infrastructure end-to-end.
Ready to start?
Upgrade your loan management system for small businesses and large enterprises in just 3 months.
Get our free TIMVERO product guide