You get streamlined acquisition across branch, web, and mobile. Leads are captured once and routed through built-in KYC/AML, device, and open-banking checks. Soft-pull bureau data and affordability rules generate instant pre-qual ranges with explainable reason codes. Identity and income are verified automatically, while exceptions flow through governed overrides. Every artifact and decision is versioned and audit-logged, creating a compliant data trail from the start. The result: lower drop-off rates, faster onboarding, and increased applicant trust.

timveroOS unifies bureau data with open-banking insights like income stability, obligations, and cash-flow surplus. Affordability, DTI, and APR/term waterfalls are defined as policies-as-code, producing decisions that are both explainable and auditable. Secured, unsecured, and co-applicants are supported natively, while manual overrides are routed under governance. Every decision, model, and policy version is logged, creating a transparent risk framework. The result: faster approvals for qualified borrowers, reduced losses through controlled thresholds, and full explainability for applicants, risk teams, and committees alike.

Your installment loan management solution assembles installment offers with APR, term, fees, and due dates, with autopay options already embedded. Disclosures are generated automatically, applicants complete e-sign within the same flow, and final fraud or account checks run in the background. Funds are disbursed via ACH, wire, or card issuance, while amortization schedules are posted directly to borrower portals. Every action, from GL postings to early-repayment handling, is versioned and audit-logged. The result: borrowers experience a simple, compliant process, while finance and legal teams gain full visibility across offers, payouts, and schedules.

timveroOS automates billing, autopay, and reminders while giving borrowers clear portals for balances, payoff quotes, and extensions. Payment holidays, hardship, and forbearance are handled natively, with pre-delinquency alerts triggered before defaults. Promises-to-pay, charge-offs, and recoveries are governed and logged, ensuring both consistency and compliance. Bank file reconciliation and bureau reporting are automated, while portfolio dashboards surface early-warning signals for risk and finance teams. The result: lower operating costs, higher cure rates, and greater resilience in collections: and all that within one governed servicing framework.