Loan Origination Software That Adapts to You - on timveroOS
Build origination your way on timveroOS.
Automate KYC/AML, open-banking intake, and underwriting, then e-sign and book with full audit traceability - all in your own environment. Start fast on ready modules, extend in code where you differentiate, and evolve policies and UX without waiting on a vendor roadmap.
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Why choose us
The Middle Path Between SaaS Speed and Custom Control
Traditional SaaS LOS limits flexibility; custom builds drain time and budget. The timveroOS platform by TIMVERO offers both speed and ownership: deploy quickly, govern data and policies as code, and adapt your origination without waiting on vendor backlogs or rebuilding from scratch.
SaaS solutions
timveroOS
Custom Development
New Feature
timveroAI for Loan Origination
From requirements to a working origination system
timveroAI replaces traditional LOS implementations with structured intelligence — it interprets your business requirements, maps them to the timveroOS framework, and assembles a tailored origination flow.
Requirement-to-framework mapping
Underwriting flow assembly
Offer and product configurator
Compliance-by-design blueprinting
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Technology Features
Framework Architecture
That Keeps You in Control
Running in your own environment for full data and release ownership
Deploy the timveroOS platform by TIMVERO in your own cloud or on-premises to retain full control over data, code, and releases. No multi-tenancy, no black-box dependencies. Integrate directly with your core, CRM, KYC, and payment systems through open APIs and SDKs. The result: predictable TCO, full data-residency compliance, and secure scalability - without per-seat licensing traps.
Authoring every policy as explainable, versioned code
Encode eligibility, affordability/DTI, pricing tiers, and override governance as versioned policies-as-code. Every decision logs its inputs, features, and reason codes, creating an immutable audit record for committees and regulators. This architecture cuts manual reconciliations, accelerates audits, and helps ensure consistent, regulator-ready decisions across all channels and products.
Composing and extending origination modules without rewrites
Start with ready modules: pre-qual, underwriting, e-sign, and booking, to extend them in code where you differentiate. The timveroOS SDK provides UI components, event orchestration, and connector kits that let teams ship features faster without technical debt. Replace or augment modules independently while preserving policy consistency, integration integrity, and deployment control.
Faster Time-to-Yes and Higher Conversion
Cutting friction from first click to funded decision
timveroOS accelerates every approval stage: from soft-pull pre-qual to explainable offer generation. Affordability and DTI rules run as code, while open-banking data and bureau inputs feed instant, governed decisions. Exceptions route through controlled overrides without breaking audit integrity. As a result, you benefit from higher straight-through rates, shorter cycle times, and consistent customer experience across channels.
Soft-pull pre-qualification with open-banking intake
Offer waterfalls with reason codes
Governed overrides and SLA escalation
Event bus for real-time status updates
Audit-Ready Operations and Lower Cost
Running origination with clean reconciliations and immutable records
timveroOS brings audit discipline to every operational step: document trails, e-sign events, fee posting, and booking entries are automatically logged and reconciled. Role-based access and versioned artifacts help ensure transparency without manual overhead. Automated disclosures, adverse-action notices, and GL posting reduce back-office workload, while predictable TCO eliminates per-seat or vendor-related cost escalation.
Immutable decision and change logs
Automated adverse-action and disclosure packs
Booking with clean, reconcilable GL entries
No per-seat or volume-based pricing traps
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We work with
Loan Origination Software That Fits How You Operate
Banks
Launch new lending products fast with policies-as-code, open-banking intake, and explainable decisioning built into the timveroOS platform by TIMVERO. Stay within your environment, integrate directly to core and GL systems, and maintain full control of data, compliance, and release governance while accelerating digital transformation.
Fintechs
Stand up embedded lending or BNPL in weeks using configurable widgets and SDKs. Deploy instant pre-qualification, affordability logic, and e-sign modules at checkout or in-app. timveroOS APIs connect to ledgers and KYC providers, letting product teams iterate continuously without vendor dependencies or roadmap delays.
Credit Unions
Deliver digital onboarding and origination without per-seat licensing costs. Combine assisted-branch and self-serve flows with built-in affordability governance, compliant disclosures, and e-sign. Booking and reconciliation are handled automatically in your environment, helping ensure a consistent member experience and simplified operations.
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Customer experience
Case studies
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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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?
See how the timveroOS platform by TIMVERO configures your origination flow, from pre-qual to booking, in your own environment.
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