timveroOS is a loan servicing system (LSS) for regulated lenders: an API-first, self-hosted or cloud loan servicing solution built on a Building Platform you own. Automated loan servicing covers billing, payment posting and waterfalls, interest accrual, restructuring, collections, and GL reconciliation. Replace legacy servicing systems in weeks.
Automate payment posting, interest accruals, hardship workflows, and GL reconciliation on infrastructure you fully control. Deploy custom servicing pipelines in days with 100% codebase ownership.
Servicing rules, posting hierarchies, and fee schedules are never limited by vendor roadmaps. Customize payment waterfalls, late fee logic, and hardship workflows directly in your code.
Core servicing blocks are pre-built: billing engines, payment rail connectors, GL reconciliation kits, and dunning cadences. Skip 24 months of groundwork and go live in weeks.
Your team composes tailored servicing policies on top of a battle-tested engine. Open SDKs, run inside your environment with zero vendor lock-in.
Translate complex servicing policies, posting waterfalls, and exception handlers into versioned policy-as-code in minutes. timveroAI eliminates manual rule configuration with zero black-box risk.
Traditional platforms handle routine happy-path applications, but break when logic gets complex. timveroOS automates the 30% tail cases that consume the bulk of your team’s time.
100% Covered End-to-End by timveroOS
SaaS servicing platforms lock you into rigid data models and per-loan pricing curves. Custom builds offer complete flexibility but tie up senior engineers for 24+ months. timveroOS delivers a production-ready servicing core in your environment with 100% code control.
timveroAI is the AI building layer for timveroOS. It translates plain-language requirements into production-grade servicing configurations, posting hierarchies, and exception handling, composed from 200+ pre-verified lending building blocks. Your team iterates in real time, while engineers retain strict review gates before anything touches production.
Explore timveroAI Features
Translates payment waterfalls, fee schedules, and adjustment rules into versioned, executable policies-as-code.
Assembles governed workflows for reversals, refunds, deferrals, and forbearance. Generates clean configurations with mandatory technical review.
Structures outreach cadences and hardship workflows. Cure prediction and risk prioritization rely on deterministic analytics, not generative AI.
Embeds versioned approvals, immutable documentation, and full actor traceability into every configuration, operating within strict safety gates.
Legacy servicing replacements spend months translating policies into vendor tickets. timveroAI lets business teams draft servicing rule changes in plain English, while timveroOS executes the approved version deterministically inside your secure environment: same input, same result, every time.
3 weeks from kickoff to production. timveroOS delivers 80% pre-built core servicing infrastructure, while timveroAI composes the remaining 20% custom logic.
Policies-as-code, deterministic execution, immutable audit logs, and 100% code ownership with zero unguided AI runtime risk.
Regulator-ready servicing for banks, fintechs, and credit unions: rapid policy iteration for ops teams with strict compliance gates for risk officers.
Manage the entire post-origination lifecycle on a single configurable state machine. From initial onboarding to final charge-off, every event logs deterministically as policy-as-code inside your own environment.
Clean handoff from origination with schedules, fees, GL mapping, and collateral records initialized under policy control.
Configurable autopay logic, versioned waterfalls for principal/interest, and dynamic posting hierarchies. Partial and late payments post correctly across ACH, cards, and FedNow.
Execute due-date changes, forbearance, deferrals, payoff quotes, and modifications under managed approval workflows with full audit reasoning.
Pre-delinquency signals, promise-to-pay tracking, and hardship workflows. Cure prediction models identify at-risk accounts before they roll to the next delinquency bucket.
Real-time GL posting matched against bank files throughout the day. Breaks surface within hours, tracing loan, posting, and bank reference in one view.
Every adjustment, refund, and override logs the active policy version, actor, and timestamp. Regulator-ready records exportable instantly for CFPB, OCC, or local audits.
Tailored servicing contexts built on a single audit-ready core. From tier-1 banking compliance to fast-scaling fintechs, deploy custom servicing workflows with zero vendor lock-in.
Deploy inside your secure perimeter with architectural control over every posting rule, hardship policy, and collections workflow. Enforce compliance natively and give regulators the exact audit trails they expect.
Explore Solution for BanksLaunch custom servicing flows, new payment rails, and dynamic hardship modules in weeks. Iterate your posting hierarchies and GL integrations at your roadmap’s speed, bypassing SaaS vendor queues.
Explore Solution for FintechsDeliver member-first servicing with governed approval workflows for deferrals and modifications. Scale your operations with predictable TCO, zero per-seat tax, keeping member data strictly on-premises.
Explore Solution for Credit UnionsThree implementations of timveroOS for servicing, across very different regulatory and operational contexts. Each team moved from concept to production faster than their internal stakeholders thought possible.
Today, we’re running proactive credit campaigns and sophisticated servicing operations on a single platform. timveroOS delivered a competitive advantage under impossible deadlines.
Read the Full Finom Case Study
After three implementation attempts with two other vendors had failed, AMIO launched a guarantor-backed lending product on timveroOS in six months. The entity-centric model handles co-borrowers and guarantors natively, with 95% automation and an 8x faster time-to-yes and time-to-money.
Read AMIO’s Story
Cartiga ($1.6B+ deployed) migrated from an inflexible enterprise system that couldn’t handle litigation finance. timveroOS delivered an 8-week MVP with custom advance rates and law-firm-aware servicing workflows, cutting software costs by 90%.
Read Cartiga’s StorytimveroOS is the loan servicing engine behind $5.5B+ in active portfolios and 7,000+ daily payment events across 13 regulated markets. Book a 30-minute intro call to see how a policy-as-code architecture fits your posting rules, hardship logic, and migration timeline.
Loan servicing software handles the post-origination lifecycle of a loan: billing, payment posting, schedule management, interest accrual, mid-term events such as deferrals or hardship, collections, and final payoff or charge-off. It is distinct from loan management software, which spans the entire lifecycle including origination. Lenders also call it a loan servicing system, loan servicing platform, or loan servicing solution.
SaaS loan servicing platforms run on the vendor’s infrastructure, with multi-tenant data architecture and a fixed roadmap. timveroOS is a Building Platform you deploy in your own environment. You own the code, control the data, and extend the platform where your business model needs to differentiate. Pricing is portfolio-tiered, not per-seat.
Both. timveroOS deploys in your cloud (AWS, Azure, GCP) or in your on-premises infrastructure. Same platform, same modules, same SDK, same audit guarantees. You choose deployment based on your data residency, security, and compliance constraints, not vendor preference.
A first product typically runs in production 3 weeks after contract signing on the pre-built core. Migrating an existing book takes longer: timveroAI handles discovery, policy compilation, and sandbox validation against your historical data, followed by phased cutover from the legacy system. Finom went live with origination in four months and full servicing in three more. A comparable custom build typically takes around 24 months.
Yes. timveroOS is used by private credit and private lender operations for custom schedules, tailored fee structures, individual loan negotiation, and entity-centric records for borrower groups. Configurable advance rate logic, dilution tracking, and law-firm-aware workflows run natively.
Yes. Commercial and consumer servicing run on the same Building Platform, with vertical-specific configurations for entity-centric ledgers, multi-debtor structures, advance rate logic, posting hierarchies, and self-service channels. For commercial focus see commercial lending; for consumer see consumer lending.
timveroOS is in production at lenders managing $5.5B+ in loan portfolios across 13+ countries, processing 7,000+ daily payment events. Multi-portfolio servicing runs as separate policy configurations on the same platform, with shared audit trail and GL reconciliation. Horizontal scaling is handled by your cloud infrastructure or on-prem cluster.
Five criteria matter most: (1) data and code ownership, do you control the platform or does the vendor; (2) deployment options, vendor cloud only or your environment; (3) policy flexibility, configurable in admin or hard-coded; (4) integration model, open APIs or vendor-controlled middleware; (5) pricing structure, per-seat or portfolio-tiered. timveroOS leads on all five.
timveroAI does not make servicing decisions or score loans. It composes and configures your servicing policies, exception paths, and compliance documentation into production-ready configurations on timveroOS. AI implements the platform; the platform runs your business. Scoring and cure prediction come from the Advanced Analytics engine, with full explainability.
timveroOS integrates with the categories a servicing operation needs: cores, GL and accounting systems, payment rails (ACH, FedNow, RTP, wallets, cards), credit bureaus, KYC/AML, fraud signals, communications, and CRM. Every integration is built as a first-class building block on the Building Platform during implementation, owned in your code and governed by your policies. New vendors get composed by timveroAI in days through the Open SDK, not by waiting on a vendor marketplace.
Pricing is portfolio-tiered, based on your loan portfolio size and product mix. No per-seat fees, no per-transaction fees, no per-API-call charges. Most clients see flat or declining cost-per-loan-serviced as their portfolio grows. See our pricing page for the current model.
Yes. timveroOS is designed to replace incumbent loan servicing systems, including SaaS platforms, custom builds, and combined LMS and LOS systems. Migration runs through timveroAI policy compilation and side-by-side validation against your historical data, with phased cutover so the legacy system runs until the new stack is verified.
timveroOS runs in production under CFPB, OCC, FCA, DNB, AFM, BaFin, and OSFI oversight, across 13+ countries. Compliance is a property of the platform, every action logs policy version, inputs, actor, and reason code automatically. Audit packages export in regulator-standard formats.
Yes. Collections and recoveries run as configured strategies inside timveroOS, with pre-delinquency signals from Advanced Loan Analytics, promise-to-pay orchestration, hardship and restructure flows, and a unified charge-off and recoveries ledger.
Escrow is built on the timveroOS servicing ledger rather than shipped as a fixed module, because every lender’s escrow policy differs. Your team defines an escrow account alongside principal and interest, adds escrow collection to the payment waterfall, and configures disbursement operations for taxes and insurance. Escrow analysis, shortage and surplus handling, and escrow statements are implemented on the same operation and document mechanisms, so every movement is recorded in the audited ledger and reconciles to the loan balance.
Yes. Forbearance, hardship, and modification workflows run as governed policy chains, customer intake (through self-service, IVR, or agent), eligibility check, approval routing, terms recalculation, document generation, and post-modification scheduling. Each step logs policy version, actor, and reason code. Lenders typically automate 70–80% of hardship cases that previously required manual review.
