Asset-based lending
software

Designed specifically for asset-based lending institutions, timveroOS streamlines and automates the whole lending process, from loan origination to portfolio management.

With ABL software, you can easily assess and leverage the value of a borrower’s assets, making more informed lending decisions.

Enjoy features such as collateral tracking, risk analysis, real-time portfolio monitoring, and comprehensive reporting. Experience the transformative capabilities of TIMVERO financial software and take your asset-based lending business to new heights.

Designed specifically for asset-based lending institutions, timveroOS streamlines and automates the whole lending process, from loan origination to portfolio management.

With ABL software, you can easily assess and leverage the value of a borrower’s assets, making more informed lending decisions.

Enjoy features such as collateral tracking, risk analysis, real-time portfolio monitoring, and comprehensive reporting. Experience the transformative capabilities of TIMVERO financial software and take your asset-based lending business to new heights.

ABL software

TIMVERO asset-based lending software is a comprehensive digital solution for banks, credit unions, and fintechs to enhance and automate loan origination and loan management operations within the lending business of this type. With timveroOS, you can steadily grow your presence in the commercial lending market with a solid technical backbone.

Loan Origination

Allow the software to perform routine tasks and double-check every step of loan origination.

As the system receives a loan application mentioning assets provided as collateral, timveroOS performs AI-powered underwriting with the help of publicly available and internal data sources along with the evaluation data on the property to be collateralized.

After thorough calculations, timveroOS provides the business customer with the individual contract terms and conditions and generates a leasing contract for e-signature.

Servicing and Collection

Software-powered loan servicing and collection in asset-based lending offers numerous advantages: you can easily track loan repayments, manage payment schedules, and automate collection efforts, minimizing the risk of delinquencies and defaults.

Additionally, software-powered loan servicing ensures accurate and timely communication with borrowers, enhancing customer satisfaction and strengthening borrower relationships. Digital loan servicing and collection in asset-based lending empowers banks and fintechs to optimize processes, mitigate risks, and drive greater profitability.

Reporting

Due to advanced reporting capabilities built in timveroOS, lenders can gain valuable insights into their lending portfolios, risk exposure, and financial performance.

TIMVERO ABL Software allows for customizable and real-time reporting, providing lenders with accurate and up-to-date information for decision-making. Detailed reports on loan performance, collateral values, and borrower metrics enable lenders to identify trends, assess risk, and optimize lending strategies.

Software-powered reporting enhances compliance with regulatory requirements and accounting standards, ensuring transparency and accuracy in financial reporting.

Loan Origination

Servicing and Collection

Reporting

ABL software

Loan Origination

Servicing and Collection

Reporting

Customer onboarding

Automated scoring

Contracting

Collection

timveroOS builds seamless and tech-savvy onboarding for banks and financial institutions to improve conversion rates and minimize customer churn at every stage. Your borrowers can undergo fast fully digital KYC checks and submit their consents with a click.

The major advantage of TIMVERO consumer lending software is robust data furnishing tools and analytics.

The system generates forms and supports auto-fill based on existing CRM data or API integrations with data providers. Just as well it easily extracts and processes data from complex financial reports in banks.

Automated doesn’t mean uncontrollable or black-box.

It is you who defines custom scoring parameters, such as customer profile values, free cash flow range, and other risk parameters.

As a result, your consumer lending business obtains data-centric and effective scoring models - both soft-check and hard-check. Each is based on clear predefined rules for different borrower groups to minimize risk, reduce operating expenses and get the most out of what timveroOS automation can fuel your business with.

The entire document management part can become paperless.

The multi-stage process of signing a contract is supported by a number of online and offline channels. The system stores, edits, and updates various contract templates for borrowers.

The timveroOS functionality includes an automatic opening for debit or credit accounts or loan disbursements via integration with a core/general ledger collateral management. No need to switch between files, folders, and data providers: consumer loan software by TIMVERO unites all contracting operations in a single interface.

Robust collection module is a must-have for retail lending software. When compared to any out-of-the-box solutions in the market, at TIMVERO we added extended covenant control and collecting payments tracking along with ready-made proactive collection strategies for banking with automated notifications.

What’s more: banks and lending businesses always have necessary business metrics at their fingertips due to in-built systems for capturing analytical data and smart reporting.

Artificial Intelligence analytics

Our cutting-edge analytics module within timveroOS delivers concrete financial outcomes for banks and leasing companies.

By utilizing AI/ML-based analytics, decision-makers can accelerate executive decision-making by 12 times, resulting in an average profit per loan increase of 13%. Our analytics module harnesses the power of AI/ML technology and data-intensive storage to uncover valuable insights for continuous underwriting, service enhancements, and product advancements.

With our Financial Engineering/Cashflow engine, stakeholders can assess the potential business ramifications of these recommendations, enabling them to make well-informed, data-driven choices. This promotes collaboration among risk, product, marketing, and finance teams, facilitating rapid and substantial business enhancements.

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Customizable Loan Architecture

Unique architecture based on Particpants entities that can be customized for any custom attributes,documents, profiles and emdedded intro the custom step of the loan process.

Participant

SMB

Collateral

Raw and featured data

Tax number
Address
Annual incomes
Liabilities

Documents

Financial accounts
Business bank statements

Raw and featured data

Property details
Receivables details
Discounted price

Documents

Receivables
Property appraisal

Deal

Business flow

AML
Underwriting
Collateral evaluation
T&C calculations
Signing

Products

MCA
Asset-based loan
Factoring

Client reviews

Austrian ABL firm

"We have been using TIMVERO's ABL software for a year now, and the results have been exceptional. The software's scalability, customizable workflows, and advanced analytics have enhanced our lending efficiency and profitability. It's a reliable and powerful tool for asset-based lending."

Alternative lending company from Sweden

"TIMVERO's asset-based lending finance software was the right choice for us. Its user-friendly interface, robust risk management tools, and seamless integration capabilities have significantly improved our lending processes."

US-based credit union

"The asset-based lending finance software developed by TIMVERO has greatly enhanced our operational efficiency and risk management. The scalability and customizable features allow us to adapt the software to our evolving business needs. It's an invaluable tool for our ABL business line.”

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We work with

Banks

Our asset-based loan software is specifically designed to cater to the unique needs of banks. With its advanced features and robust functionalities, it empowers banks to streamline their asset-based lending operations and efficiently manage collateral, risk assessment, and loan servicing. The software's real-time reporting and analytics capabilities provide valuable insights, enabling banks to make data-driven decisions and optimize their lending strategies. With our asset-based loan software, banks can enhance efficiency, mitigate risks, and drive profitability in their asset-based lending portfolio.

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Credit unions

Our credit union-focused asset-based loan software is tailor-made to cater to the specific requirements of credit unions. It provides comprehensive functionalities to streamline asset-based lending operations, from collateral management to risk assessment and loan servicing. With real-time reporting and analytics capabilities, credit unions gain valuable insights for informed decision-making and optimized lending strategies. Empower your credit union with our asset-based loan software to enhance operational efficiency, mitigate risks, and drive growth in your lending portfolio while providing valuable services to your members.

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Finance companies
(fintechs)

TIMVERO asset-based loan software is built to meet the evolving needs of fintech companies. It offers advanced features and robust functionalities to streamline asset-based lending operations, including collateral management, risk assessment, and loan servicing. With real-time reporting and analytics capabilities, fintechs gain valuable insights for data-driven decision-making and optimization of lending strategies. The software is highly scalable and customizable, allowing fintechs to adapt it to their changing business needs. Empower your fintech company with our asset-based loan software to enhance efficiency, mitigate risks, and drive innovation in your lending offerings.

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Asset-based lending software