B2B Installment Loan Software Designed for Risk, Finance, and Scale

Control risk, finance, and operations on your own terms - with timveroOS.

TIMVERO turns B2B installment lending policies into code: eligibility, pricing, and risk are explainable and audit-ready. Deploy in your environment, connect data sources instantly, and deliver compliant offers at speed while retaining full ownership of code, data, and releases.

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Stages

Straight-through B2B Installment Lending, Built for Audit

The timveroOS platform by TIMVERO manages the complete B2B installment journey from seller onboarding and buyer KYC/KYB to underwriting, plan assembly, and collections. Each stage is modeled in code and UI, giving you explainable approvals, accurate pricing, and audit-ready servicing. The result: faster time-to-yes, fewer manual steps, and lower cost-to-serve.

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timveroOS accelerates program setup with reusable templates for contracts, pricing policies, and risk parameters, so lenders can launch multiple programs without reinventing the wheel. Seller KYB, settlement calendars, and fee-sharing rules are configured once and enforced consistently across portfolios. Catalog mapping removes errors in product data while dispute workflows are embedded directly in the platform. APIs and SDKs support smooth checkout integration, while ERP and EDI connectors feed order, invoice, and shipment data into decisioning flows. The result is faster merchant onboarding, reduced manual work, and fewer reconciliation issues, giving operations scalability without losing control.

Business buyers expect credit decisions at speed, yet committees demand transparency. timveroOS captures structured application data and supporting documents, verifies UBOs and sanctions, and runs bureau and behavioral checks automatically. Eligibility and limits are calculated as policies-as-code, ensuring rules execute consistently across cases. Exceptions are routed through governed overrides, and all decisions are logged, versioned, and fully explainable for auditors and committees. This eliminates the risks of black-box scoring and manual inconsistency. The outcome: faster time-to-yes, higher buyer conversion, and confident compliance alignment—delivering approval speed without compromising governance.

Offers on timveroOS are assembled in real time with repayment schedules, APRs, fees, and grace periods aligned to finance-approved policies. Promotions, variable down payments, or collateral and guarantees can be configured without waiting for IT or vendor releases. Pricing formulas remain transparent and versioned, providing a clear audit trail. The system automatically generates compliant e-sign packages, ensuring agreements meet regulatory requirements. Accepted terms are published to buyer portals and seller dashboards with embedded revenue recognition rules, leaving no ambiguity. The result is accurate pricing, clear obligations for all parties, and faster contract execution that improves conversion.

Servicing on timveroOS reduces manual leakage by automating invoicing, reconciliations, and auto-debits while keeping everything aligned with GL postings. Mid-term adjustments such as split bills, deferrals, or restructures are handled within governed workflows, ensuring consistency. Disputes and chargebacks are routed with full traceability, while early payoff and write-off options are embedded by default. AI models forecast cash flow, monitor covenants, and trigger alerts when promises-to-pay or delinquency risks appear, empowering teams to intervene early. The outcome is lower days sales outstanding (DSO), higher recovery rates, and a servicing cost base that scales efficiently without additional headcount.

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Architecture

B2B Installment Architecture that Mirrors Real Commerce

The timveroOS platform by TIMVERO models every actor in B2B installments: sellers, buyers, obligors, guarantors, and their raw and derived data. Documents, policies, and workflows assemble directly into products like installment plans, trade credit, or revolving terms. This approach shortens time-to-market, keeps products explainable, and remains fully extensible in code and integrations.

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Technology

timveroOS: Installment Lending without Black Boxes or Vendor Ceilings

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Handle seller–buyer–guarantor flows, multiple invoices, partial shipments, and split settlements natively. Complex schedules are assembled in governed flows, not spreadsheets—cutting errors and ensuring finance and risk stay aligned.

Multi-party commerce without operational friction

Plug-and-play APIs, SDKs, and UI components cover checkout, portals, and back office. Integrate ERP/CRM/GL once, then launch or update products on your cadence, not a vendor’s roadmap.

Embedded and white-label from day one

Author rules, scorecards, and pricing formulas directly in timveroOS. Every decision is explainable, logged, and versioned. Overrides are governed, giving committees transparency while keeping profitability tied to risk appetite.

Risk, pricing, and policy encoded as codeScalability

AI-powered B2B Installment Loan Software for Predictable Cash Flow

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AI on timveroOS improves installment outcomes by aligning risk signals with operational levers. Models provide instant limit guidance, forward-looking cash-flow forecasts, fraud detection, and optimized dunning strategies. Governed, explainable, and audit-ready, the models help reduce DSO and charge-offs while maintaining transparency with risk and finance stakeholders.

Instant limits that convert more buyers

Cash-flow forecasts for predictable repayments

Fraud and forgery detection to protect portfolios

Dunning optimization that lowers DSO

The Analytics XAI Engine generates genuine recommendations for new underwriting models, more effective risk models for customer segments, product ideas, and safer debt collection strategies.

It also evaluates the forecasted financial impact of its advice for various types of stakeholders within the company. It gives people a lot of proven data for decision-making and superb market performance.

With our cutting-edge framework, you can make the right business decisions up to 12 times faster. TIMVERO software provides you with the necessary tools to optimize your loan processes and improve your business performance. Multichannel tech-advanced loan origination functionality for higher borrower conversion rates and steadily growing income.

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We work with

Trusted by Banks, Lenders,
and B2B Platforms

Banks and Credit Unions

Tier 2–4 banks and credit unions launch white-label B2B installment and BNPL programs for SMB buyers on timveroOS. Policies, limits, and pricing are configured as code. Seller onboarding, settlement calendars, and GL integration run natively. The result: faster time-to-yes, auditable decisions, and scalable growth without vendor lock-in.

Specialist Lenders (NBFIs)

Equipment finance, leasing, factoring, and trade credit providers manage complex multi-party flows on timveroOS. Seller–buyer–guarantor relationships, variable schedules, and restructures are assembled in governed workflows. Risk rules remain explainable, data stays in your environment, and APIs keep integrations clean. The outcome: predictable TCO and stronger portfolio control.

Fintechs and B2B Platforms

Marketplaces, wholesalers, and SaaS platforms embed installment offers at checkout with timveroOS. Instant limits, promotions, split settlements, and revenue recognition are handled in code, while onboarding, KYC/KYB, and ERP/CRM/GL connectors ensure straight-through processing. The benefit: faster product iteration, global scalability, and full ownership of data and release cycles.

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Testimonials

Customer Reviews

A Tier 3 bank replaced legacy manual workflows with timveroOS, configuring policies-as-code and integrating directly to GL and KYC systems. The result: approvals accelerated by 20% and program time-to-market cut t a single quarter.

“timveroOS fit our lending policies and compliance—not the other way around.”

Michael
SVP Lending, USA

A Netherlands-based fintech embedded its own pricing and scorecards into timveroOS using SDKs, while deploying entirely in its private cloud. They launched new plan variations instantly, independent of vendor release cycles.

“The SDK let us add our pricing and scorecards fast while keeping full control in our cloud.”

Lars
CTO, Netherlands

A UK-based specialist lender used timveroOS AI for their b2b installment loan solution to forecast buyer cash flow and optimize dunning outreach. Collections improved by 15% without harming customer experience, while data sovereignty was preserved.

“Cash-flow forecasts and dunning optimization improved collections without harming CX. Data stays in our environment.”

Oliver
COO, United Kingdom

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Solutions B2B

Solutions for any lending type

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Framework-native

Framework-Native B2B Installment Lending Platform

timveroOS is not off-the-shelf SaaS. It’s a framework of modules and SDKs to assemble your own B2B credit decisioning software inside your environment. You own code, data, and release cycles. Start fast on ready modules, extend freely in code, and avoid vendor lock-in while keeping compliance and audit under control.

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Next steps

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Build B2B installments on your terms: governed, explainable, and free from vendor ceilings.

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

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