End-to-End Loan Management, Engineered on timveroOS
Operate loan management your way on timveroOS. Automate posting, reconciliations, and collections with policies-as-code; manage hardship, reversals, and recoveries in one auditable framework. Choose between cloud or on-premises deployment to gain complete control of data, compliance, and cost.
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Why choose us
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
New Feature
timveroAI for Loan Management
From operating model to a governed loan management system
timveroAI automates how lenders configure and deploy their loan management environments. It interprets operational requirements, such as portfolio hierarchies, posting rules, reconciliation logic, and event handling, and assembles them into executable components on the timveroOS framework.
By functioning as a system assembly agent, timveroAI transforms written operating procedures into governed, reusable modules ready for production. The result is a consistent, transparent, and auditable loan management system that reflects your institution’s policies and product logic while reducing implementation time and dependency on external configuration teams.
Portfolio logic generator
Workflow orchestrator
Reconciliation and control assembly
Reusable configuration templates
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Loan Management Architecture Designed for Control and Scalability
Running in a chosen environment for complete data and release ownership
Deploy the timveroOS platform in the cloud or on-premises. You retain full control over code, data, and releases while meeting internal security and data-residency standards. Open SDKs and APIs connect seamlessly to core, GL, rails, and bureaus, delivering predictable TCO and zero dependency on vendor timelines.
Authoring every posting and event rule as explainable, versioned code
Define and adjust posting hierarchies, fee tables, hardship options, and collections rules as policies-as-code. Each action records its inputs, calculations, and approvals with reason codes, helping to ensure consistent outcomes and audit-ready traceability across reporting cycles and regulatory reviews.
Composing and extending loan management modules without rewrites
Start with billing, payment ops, account maintenance, and collections modules, then extend or replace them in code. timveroOS SDKs, event bus, and connector kits let teams add portals, workflows, or analytics layers without touching the core platform—maintaining control, compliance, and agility as portfolios evolve.
Driving Down Loan Management Costs Through Intelligent Automation
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.
Adaptive autopay orchestration
Dynamic posting hierarchy
Continuous reconciliation engine
Configurable self-service workflows
Strengthening Collections with Explainable, Audit-Ready Governance
Early-risk detection signals
Automated outreach and cadence logic
Governed hardship and restructuring flows
Unified 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).
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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.
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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.
cost reduction vs 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
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.
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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.
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Upgrade your loan management system for small businesses and large enterprises in just 3 months.
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