Loan Management Software that Runs on Your Rules — on timveroOS
Operate loan management your way on timveroOS. Automate billing and posting, handle mid-term changes and hardship, manage collections and recoveries, and keep GL/bureau reporting clean—in your environment. Start fast on modules, extend in code, and scale without vendor lock-in.
2
Why choose us
Why teams choose timveroOS over SaaS or custom code
SaaS is quick but rigid; custom code is flexible but slow and costly. timveroOS is the framework-native middle path: production-grade loan management fast, with full control of code, data and releases plus policies-as-code for posting, events and collections.
SaaS solutions
timveroOS
Custom Development
New Feature
timveroAI for servicing
timveroAI runs in your environment, using transaction, behavioral and device data to power risk and operations while remaining explainable and governed.
Pre-Delinquency & Cure Probability
Next-Best Action Optimizer
Anomaly & Leakage Detection
Hardship/Restructure Recommender
5
Framework advantages
Own Environment & Data Control
Deploy timveroOS in your cloud/on-prem with no multi-tenancy. Keep code, data and releases under your control; meet security and data-residency requirements; and connect directly to core, GL, rails and bureaus via open SDK/APIs. Predictable TCO without per-seat or volume penalties.
Policies-as-Code & Explainability
Encode posting hierarchies, fee tables, hardship options and collections rules as versioned policy. Every action stores inputs, calculations and approvals with reason codes—helping ensure consistent outcomes, faster audits and fewer reconciliations across month-end and regulatory reviews.
Composable Modules + SDK
Start with billing, payment ops, maintenance and collections modules, then extend in code. Use event bus, connector kits and reusable widgets to add portals and workflows without a platform rewrite. Replace components later without vendor lock-in.
Lower Cost-to-Serve with Low-Touch Operations
Automate billing, posting and reconciliation while moving routine maintenance to self-service. Policies-as-code eliminate manual exceptions and drive consistent outcomes across teams and channels. Dashboards surface breaks before month-end so finance closes cleanly every time.
Autopay & Smart Reminders
Posting Hierarchy as Code
Bank-File Reconciliation Kit
Self-Service Portals & IVR
Stronger Controls & Audit-Ready Collections
Pre-Delinquency Signals
Promises-to-Pay & Cadence Orchestrator
Hardship/Forbearance Workflows
Charge-Off & Recoveries Ledger
Digitization in banking is a lot more than simply automation or bringing a product online. Using Artificial Intelligence in loan origination software just because everybody does is hardly a great idea.
TIMVERO introduce the XAI-first approach for banks and financial institutions (XAI – explainable AI).
7
Where timveroOS Loan Origination fits best
Banks
Manage consumer/SME/auto portfolios with policies-as-code, precise schedules, GL cleanliness and bureau reporting. Keep everything in your environment and integrate to core and rails through open APIs.
Fintechs
Scale digital servicing with portals, wallet/ACH/card rails, instant payoff quotes and explainable posting—iterate without waiting on vendor roadmaps.
Credit Unions
Deliver assisted branch + digital servicing, manage hardship/forbearance, and avoid per-seat fees with predictable TCO—while keeping data and releases under your control.
8
Testimonials
Customer reviews
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.
Increase in Leads
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.
Increase in demo bookings
AMIO Bank
A leading Armenian bank transformed a highly complex lending concept with guarantor support into a fully automated, production-ready solution in just six months using timveroOS.
8
Next steps
Get a demo
TIMVERO is a trusted technology vendor for banks and financial organizations on their way to impeccable digital lending. Apply for a quick real-time demo to discuss the details and get a quote.
Ready to start?
Upgrade your loan management system for small businesses and large enterprises in just 3 months.
Get our free TIMVERO product guide