Smarter Acquisition and Instant Pre-Qualification

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.
Explainable Risk Decisions You Can 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.
Instant Offers, E-Sign, and Payout in One Flow

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.
Low-Touch Servicing With Built-In Hardship Flows

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 — all within one governed servicing framework.

From Applicants to Products: A Unified Architecture

Every object in installment lending — applicants, households, and co-applicants; accounts and devices; bureau, open-banking, and fraud data — is modeled natively in timveroOS. Document sets and configurable flows (pre-qual, underwriting, offers, e-sign, servicing) come built in. Together, they assemble personal loan, debt-consolidation, and refinance products, fully extensible in code and integrations.

timveroOS installment lending architecture diagram

Author affordability, DTI, and APR/term waterfalls once, in code. Governed overrides and versioned rules make every decision explainable and auditable. timveroOS removes custom plumbing, so you adapt pricing or credit policy without waiting for vendor releases.
Affordability You Can Explain and Adjust
Generate accurate amortization schedules automatically. Post fees and interest to the GL, automate refunds and chargebacks, and support audit requirements with built-in reconciliation. TIMVERO ensures schedules stay consistent across servicing, finance, and reporting.
Precise Schedules and Clean Accounting
Branch, web, and mobile journeys share the same widgets and flows. Borrowers get portals with reminders, payoff quotes, and hardship options, while autopay and exception workflows reduce manual work. It lowers servicing cost while improving borrower experience.
Omnichannel Journeys on One Framework

AI Built for Credit Risk and Collection Scoring

AI on timveroOS predicts default and early-payment risk, estimates affordability from bank transactions, detects synthetic and first-party fraud, and optimizes offers across APR, term, and amount. Models are securely trained in your own environment and plug into pre-qual, underwriting, and collections — always explainable, governed, and audit-ready.

Affordability and Default Risk Scoring
Fraud Detection Across Synthetic and First-Party Cases
Offer Optimizer for APR, Term, and Amount
Pre-Delinquency Alerts and Cure Probability

AI Built for Credit Risk and Collection Scoring

Banks and Credit Unions (Consumer Installments)

Launch personal loans, debt consolidation, and refinancing with affordability and pricing as code, explainable underwriting, and precise schedules. Connect to your core, bureaus, and open-banking feeds, while generating audit-ready reporting for risk and finance teams.
Neobanks and Consumer Fintech Lenders

Deliver instant pre-qual, device and fraud checks, and low-touch servicing, while keeping code, data, and release control. timveroOS gives fintech lenders a compliant foundation to scale installment products without vendor dependencies.
Retail Finance Arms (Store Installments)

Offer compliant checkout and branch-assisted installment journeys with reconciliation, refunds within a white-label portal TIMVERO delivers. Adjust pricing, eligibility, and settlement rules in UI or code, so programs evolve without vendor lock-in or spreadsheet workarounds.

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 compare to the 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

timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
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