Launch Lending Products in Spain Without Building from Scratch
timveroOS gives Spanish banks, fintechs, and credit organizations 80% of lending infrastructure ready to deploy on your servers, under your control, fully compliant with Banco de España requirements.
1-2 months
average time to launch a new lending product with timveroOS
80%
of lending infrastructure ready out of the box
$5.5bn+
in loan portfolios managed globally
100k+
per year development hours saved
Start your journey
Discover how timveroOS can help you leverage an innovative lending platform in the Spanish market.
Get our free TIMVERO product guide
What is Building Platform
Spanish institutions don't need to choose between speed and control. timveroOS delivers 80% of the architecture - origination, servicing, collections, compliance - ready to run. Your team extends it with the remaining 20% of logic specific to your business model and regulatory environment.
An Easy Choice Between SaaS Speed and Custom Control
SaaS loan management systems launch quickly but limit flexibility and audit depth. Custom builds offer control but come with long delivery cycles and high maintenance costs. The timveroOS platform by TIMVERO delivers all-in-one: faster deployment, reasonable costs, and full governance, with policies-as-code for posting, hardship, and collections logic that runs entirely in your environment.
SaaS solutions
timveroOS
Custom Development
Lending products live in Spain on timveroOS
From consumer installment loans and BNPL to SME credit lines and real estate financing - timveroOS covers the full product spectrum that Spanish lenders actually need.
6
Customer Experience
Proven across regulated European markets
timveroOS powers lenders in 13+ countries, including regulated institutions operating under European PSD2 and EBA standards the same framework layer that Spanish financial institutions need.
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.
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.
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.
Make faster decisions on your Spanish loan portfolio with AI
timveroOS accelerates executive decision-making 12x and delivers an average 20% profit uplift per loan. The XAI analytics engine gives Spanish lending teams explainable credit decisions, portfolio stress-testing, and cashflow projections all without external data science consultants.
Auto scoring and underwriting
In the Spanish financial landscape, timveroOS stands out for its extensive data-driven scoring and decision-making capabilities, reshaping the industry's approach to smart decision-making.
By integrating TIMVERO's Machine Learning engine and cloud DWH module, the loan origination system merges a customizable underwriting engine and open-source BPM. This empowers users to:
● Effortlessly navigate a no-code environment, seamlessly connecting marketplace features to essential nodes,checks, and pathways.
● Customize loan products andamounts catering to diverse customer segments.
● Personalize the underwriting process, swiftly implementing necessary adjustments.
This digital transformation revolutionizes the core operations of financial institutions in Spain, actively utilizing analytics and insights for operational efficiency rather than solely storing them.
How We Work
Product demo
Discover TIMVERO's customized demonstration,showcasing advanced loan management solutions integrating seamless automation, dynamic analytics, and personalized features for your financial institution.
Adjustment to your needs
Check out limitless possibilities by leveraging our SDK and flexible architecture, providing unparalleled personalization. Tailor solutions precisely to align with your needs, ensuring unmatched adaptability and scalability.
Loan issuance
Efficiently initiate your initial loan release using timveroOS. Seamlessly navigate the process, utilizing intuitive tools for a smooth and successful start to lending.
Reveal the hidden potential of your loan business in Spain
Explore how TIMVERO meets the distinct requirements and operational necessities of fintechs, banks,and credit organizations in Spain.
Ready to start?
See how Spanish lenders launch on timveroOS in 1–2 months.
Get our free TIMVERO product guide