Loan Management Software for UK Lenders — Built on a Building Platform

Yes. timveroOS includes configurable compliance blocks for FCA-regulated lenders: Consumer Duty (2023) audit trail, CONC affordability rule enforcement, and an immutable change log for all credit decisions. Compliance logic lives in policy blocks — not hardcoded in the core — so you can update affordability rules or reporting logic in the admin panel when FCA guidance changes, without a development sprint.

3 to 6 weeks for a standard product using timveroAI. timveroAI is a RAG-based implementation agent that automates 70–80% of the implementation work: assembling FCA-compliant workflows, configuring product logic, and mapping integrations to your UK stack (Open Banking, credit bureaus, payment rails). Complex or heavily customised products take longer, but typical timveroOS deployments are 6–12x faster than a custom build.

Yes. Open Banking connectors are first-class Building Platform blocks in timveroOS. Connect to any FCA-authorised ASPSP via TrueLayer, Plaid, Yapily, or a direct Open Banking API — configured in the admin panel, no code changes required per provider. Real-time income and affordability verification via open banking data feeds is supported out of the box.

A SaaS LMS gives you a fixed set of workflows on a shared codebase. You adapt your process to the software. timveroOS is a Building Platform: a complete lending solution with framework-native building blocks you can configure in the admin panel and extend in code. You own the environment, own the data, and shape the system to your business model — not the other way around. No vendor roadmap dependency, no per-seat fees, no customisation ceiling.

Yes. timveroOS is deployed by credit unions and community lenders across 13+ countries. You can run it on your own cloud infrastructure or on-premise — full data sovereignty under FCA and UK GDPR requirements. Pricing is tied to portfolio size, not headcount, so there are no per-seat fees as your membership grows. timveroAI handles the bulk of implementation, which means you do not need a dedicated engineering team to go live.

Yes. IFRS 9 provisioning logic is handled by the AccrualEngine — a dedicated Building Platform block. It supports stage classification (Stage 1/2/3), expected credit loss calculation, and GL posting. The logic is configurable: define your daycount method, staging triggers, and provisioning rates in the admin panel. Changes to provisioning methodology do not require a code deployment — product owners make the update directly.