End-to-End Loan Servicing Software that Runs on Your Rules – timveroOS
Operate servicing your way on timveroOS.
Automate billing, posting, and payment ops; manage mid-term events, hardship, and recoveries; and keep GL and bureau reporting clean - all in the environment you choose. Deploy fast with framework-native modules, extend in code where you differentiate, and evolve servicing without vendor lock-in or compliance risk.
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Why choose us
The Balanced Path Between SaaS Speed and Custom Control
SaaS servicing gets you live fast but locks you into fixed logic and vendor cadence. Custom builds give freedom but come with long timelines and heavy maintenance. TIMVERO loan servicing platform gives you both: rapid deployment and full governance. Every posting rule, event, and collections strategy runs as explainable, versioned code in your own environment, helping ensure compliance without slowing delivery.
SaaS solutions
timveroOS
Custom Development
New Feature
timveroAI for Loan Servicing
From servicing policies to a compliant, audit-ready environment
timveroAI structures and compiles your servicing requirements: from payment posting to collections and recoveries, into governed environments on timveroOS. It understands the lender’s servicing logic, exception handling, and compliance constraints, and assembles them into transparent, production-ready systems.
Servicing Policy Compiler
Exception Path Builder
Collections and Recovery Framework
Audit and Compliance Layer
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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.
Running High-Volume Servicing at Lower Operational Cost
Automating payment ops and reducing manual intervention at scale
Automate billing, posting, and reconciliation end-to-end while moving routine maintenance to self-service channels. timveroOS applies policies-as-code to eliminate manual exceptions and enforce consistent outcomes across teams and portfolios. Dashboards surface breaks before month-end close, allowing finance and servicing teams to resolve issues early and maintain clean, auditable ledgers.
Adaptive autopay orchestration
Dynamic posting hierarchy
Continuous reconciliation dashboard
Configurable self-service modules and IVR
Building Audit-Ready Collections with Governed Transparency
Bringing governance and transparency to every recovery step
timveroOS manages collections and recoveries with governed strategies and explainable decisions. timveroAI prioritizes delinquent accounts, predicts cure likelihood, and orchestrates outreach cadence automatically. Every promise-to-pay, forbearance decision, and charge-off is logged immutably with timestamps and actor traceability, helping ensure compliance, operational control, and regulator-ready audit trails.
Early pre-delinquency signals
Promises-to-pay and cadence orchestrator
Policy-driven hardship and restructure flows
Unified charge-off and recoveries ledger
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We work with
One Platform for Every Type of Servicer
Banks
Run consumer, SME, or auto portfolios with policies-as-code, precise schedules, and governed posting logic. Keep operations in your environment, integrate directly to core, GL, and bureau systems, and maintain full auditability across billing, hardship, and collections, reducing reconciliation effort and ensuring regulatory confidence.
Fintechs
Scale digital servicing and collections with open APIs, wallet/ACH/card rails, and real-time payoff quotes. Use explainable posting and timveroAI-driven pre-delinquency insights to improve cure rates while maintaining compliance. Launch new products fast, iterate on flows, and evolve without waiting on a vendor roadmap.
Credit Unions
Deliver assisted branch and digital servicing with predictable TCO and no per-seat fees. Manage hardship and forbearance workflows natively, handle deferrals and extensions through policy-based automation, and maintain clean, reconcilable ledgers while staying in full control of data, releases, and member experience.
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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.
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
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
Review a loan servicing architecture: explore how policies-as-code, reconciliation kits, and audit logs connect schedules, events, and GL postings across the entire servicing lifecycle.
Ready to start?
Upgrade your loan management system for small businesses and large enterprises in just 3 months.
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