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Loan Origination 
Software that Adapts to 
You — on timveroOS

SaaS is quick but rigid. Custom is flexible but slow and costly. timveroOS is a framework-native middle path: ship a production LOS fast, keep code/data under your control, and evolve policies, integrations and UX on your cadence.

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Why choose us

Why teams choose timveroOS over SaaS or custom code

SaaS is quick but rigid. Custom is flexible but slow and costly. timveroOS is a framework-native middle path: ship a production LOS fast, keep code/data under your control, and evolve policies, integrations and UX on your cadence.

SaaS solutions

Pros
Fast initial go-live
Lower upfront cost
Prebuilt workflows
Cons
Limited policy/UX flexibility
Vendor roadmap & data custody constraints
Volume/per-seat fees escalate TCO

timveroOS

Features
Framework-native. Modules + SDK
Policies: affordability, offer waterfalls, overrides
Open APIs to core/CRM/KYC/open banking
Explainable decisions & immutable audit trail
Predictable TCO (no per-seat traps)
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See Pricing

Custom Development

Pros
Full control of code and UX
Tailored integrations & data model
No vendor lock-in
Cons
9–18 month delivery risk
High build & maintenance cost
Talent/knowledge concentration risk

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Technology

Optimizing the end-to-end origination lifecycle

From acquisition and pre-qualification to underwriting and pricing—then offer, e-sign and booking. Each step in timveroOS is configurable in UI and code to match your policies, integrations and compliance.

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Capture leads across web/app/branch. Run KYC/AML and device checks; where allowed, obtain open-banking consent. Pull soft-pull bureau and compute pre-qual ranges using affordability/DTI. Deduplicate applications, verify identity/income, and create a governed data trail. Exceptions route via role-based approvals with versioned decisions and reason codes.

Acquisition, Pre-Qual
& KYC/AML

Ingest bank transactions, payroll stubs, documents and partner data via APIs/SDKs. Normalize and enrich data to compute income stability, obligations and cash-flow surplus. Enforce stips matrices and dynamically request only what’s needed. Track completeness and SLA timers; collaborate with applicants through portals while keeping artifacts audit-locked.

Application 

& Data Capture

Encode policy as code: eligibility, affordability/DTI, price caps, fraud scores and offer waterfalls. Blend bureau with open-banking and alt-data features. Generate explainable approvals/declines with governed overrides; capture all inputs/versions for committees. Support secured/unsecured and co-applicants. Publish decisions to LOS/CRM/event bus with full provenance.

Underwriting 

& Decisioning

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.

Affordability & 
Default Risk Scoring

with reason codes

Offer Bundle Optimizer 
(APR/term/amount)

for conversion vs risk

Synthetic/First-Party 
Fraud Detection

(device/behavior/open-banking)

Pre-Delinquency 
& Cure Probability

to guide conditional approvals

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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; align with security and data-residency requirements while integrating directly to core, CRM, KYC and payment rails through open APIs and SDKs. Predictable TCO without per-seat fees.

Policies-as-Code & Explainability

Author affordability/DTI rules, eligibility cutoffs, offer waterfalls and override governance as versioned code. Every decision stores inputs, features and reason codes for committee review and regulators, helping ensure consistent outcomes and faster audits with fewer manual reconciliations.

Composable Modules + SDK

Start with ready modules (pre-qual, underwriting, e-sign, booking) and extend in code where you differentiate. UI widgets, event bus and connector kits accelerate delivery while keeping you free to replace or augment components without a platform rewrite.

Faster Time-to-Yes 
& Higher Conversion

Info

Cut friction from first click to decision. Pre-qual with soft pulls and open-banking features, encode affordability/DTI and price bands, and generate instant, explainable offers. Governed overrides accelerate edge cases without breaking controls. All artifacts are versioned for audit, while UX stays consistent across web, app and branch.

Killer features:

Soft-Pull Pre-Qual & Open-Banking Intake

Offer Waterfalls with Reason Codes

Governed Overrides & SLA Escalation

Event Bus for Real-Time Status

Audit-Ready Operations 
& Lower Cost

Killer features:

Immutable Decision & Change Logs

Adverse-Action & Disclosure Packs

Booking with Clean GL Entries

No Per-Seat / Volume Traps

Info

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

Launch new lending products fast with policies-as-code, open-banking intake, explainable decisions and audit-ready booking. Stay in your environment and integrate to core/GL and KYC providers.

Fintechs

Stand up embedded lending/BNPL in weeks. Use widgets/SDKs at checkout or app, instant decisions with reason codes, and API-first booking to your ledger. Iterate without waiting on a vendor roadmap.

Credit Unions

Digital onboarding without per-seat fees. Assisted branch tools + self-serve flows, affordability governance, disclosures/e-sign and clean handoff to servicing.

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Testimonials

Customer reviews

80%

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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90%

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.

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100%

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.

Ready to start?

Upgrade your loan management system for small businesses and large enterprises in just 3 months.

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