Try Running Your Lending Business as a Fintech
Test your real lending logic on timveroOS with zero upfront commitment or contracts. We build a fully working proof-of-concept tailored to your integrations and data, completely risk-free.
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Modernize Legacy Core
Rebuild legacy products with custom logic.
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Launch New Concepts
Test product ideas stuck in your backlog.
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Validate Full Workflows
Experience full-cycle servicing and logic.
Your Real Business Logic, Live on timveroOS
A production-ready environment configured with your actual credit rules, integrations and operational workflows. Live in 1 to 2 weeks.
Test timveroOS- 0 Change Requests
Your risk and product teams can change scoring or routing rules themselves. No ticket to IT and no queue at the vendor.
- 100% Lifecycle Coverage
From intake and decisioning to servicing, schedules, and complete audit trail.
- 0 Core Changes
Runs via API with no disruption to your existing stack. Your core stays the system of record with main business unaffected.
timveroOS
- Application data
- KYC and documents
- Bank statements
- Your credit policy
- Risk grade rule
- Changed live
- Auto approve
- Refer to underwriter
- Decline
- Payment plans
- Rate changes
- Collection
- Reconciliation
- Reminders
- Your team decides
Your core
- Accounts and ledger
- Customer master
- Nothing migrated
- Nothing rewritten
Your Lending Logic, Running Live, Before You Sign
timveroProof is built to answer the same three fears of every lending software evaluation with something better than a reference call: your own product, running on your own cases.
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You Change the Rules Yourself
Change scoring or routing logic live in minutes, without writing code. Your risk team owns configurations from day one with zero vendor queues or waiting lists.
Shown live on the call
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You Test Your Real Complexity
Bring your actual collateral calculations, covenant rules, and edge cases. timveroProof runs on your real business scenarios, not on generic vendor demo data.
Your data, your products, your exceptions
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Your Pilot Goes
Live as It IsIf the pilot does what you need, it goes to production as it is. The products, rules and integrations you validated during timveroProof run live without rework, migration or a second setup.
One build, from proof to production
Standard Platforms Only Automate the Easy Part
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
Pick Your Lender Type. See What We Prove.
Every lender comes to a vendor evaluation with a different doubt. Select yours to see what timveroProof builds for you and what you measure at the end.
Launch a new lending product next to your core. The core stays exactly as it is.
- What You Want to Prove
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That you can add a product line this year without a core replacement project and without a change request to the core vendor.
- What We Build
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One new lending product running on timveroOS in parallel to your core, connected via API. Your core remains the system of record. Your team changes the product rules themselves.
- What You Measure
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- Applications Decided Without Manual Review
- Time to Decision
- Time to Change a Rule
Decide on a member loan in minutes, on your own credit policy.
- What You Want to Prove
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That automated decisioning can follow your policy and your exceptions, not a generic scorecard, and still give the member a fast answer.
- What We Build
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Decisioning for one consumer product, or for your indirect dealer channel, configured from your actual credit policy and pricing rules. Your lending team adjusts them on the call.
- What You Measure
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- Time to Decision
- Applications Decided Without Manual Review
- Time to Change a Pricing or Policy Rule
Ship the credit product. Skip building the lending stack under it.
- What You Want to Prove
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That you can launch and iterate a credit product on someone else’s infrastructure without losing control of the product logic.
- What We Build
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Your credit product configured on timveroOS from origination to servicing, connected to your data providers and payment rails via API. Product changes are configuration, not a release.
- What You Measure
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- Time to First Product Live
- Time to Launch a Product Variant
- Cost per Originated Loan
Run the deal your current system cannot represent, without a workaround.
- What You Want to Prove
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That your collateral logic, bespoke underwriting rules and broker intake fit into one system instead of a chain of tools and spreadsheets.
- What We Build
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Your real deal structures, advance rates and underwriting rules configured in timveroOS, with broker intake feeding the same workflow. Tested on your own historical cases.
- What You Measure
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- Deals Processed Without a Workaround Outside the System
- Time From Application to Funding
- Systems Touched per Deal
Move the deal book out of spreadsheets, without changing how you underwrite.
- What You Want to Prove
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That the Excel models your team already trusts can run inside a system of record, with the same logic and a lot less manual handling.
- What We Build
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Your underwriting and monitoring models rebuilt as rules in timveroOS, deals and facilities tracked in one place, and portfolio reporting generated from the system rather than assembled by hand.
- What You Measure
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- Deals Managed in the System Instead of Spreadsheets
- Time to Prepare a Portfolio Report
- Manual Steps per Deal per Month
Measured on Live Volume, Not on a Demo
timveroProof is a working lending environment, not a walkthrough. During the pilot it processes real applications from your market under your own rules, so every metric below comes from actual performance data, not from a projection. You choose the KPIs before the pilot starts. They go into the Engagement Charter, and the pilot succeeds or fails against them.
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Efficiency
- Automated decision rate
- Share of applications moving from intake to decision without human review.
- Manual touches per loan
- The average number of manual interventions required before a final decision.
- In-system exception rate
- Share of exceptions managed entirely in timveroOS, without using spreadsheets.
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Speed
- Total time to decision
- The total elapsed time from a completed application to a final decision.
- Time to disbursement
- The waiting period between final loan approval and the actual transfer of funds.
- Policy rollout speed
- Time taken to deploy an approved policy change into live loan applications.
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Cost
- Cost per originated loan
- Total operational expenses to process a single loan, intake to disbursement.
- Cost per system change
- The true cost of a single rule change, including IT and vendor resources.
- Servicing cost per loan
- The average monthly operational expense required to service an active loan.
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Risk and Compliance
- Decision audit coverage
- The percentage of decisions backed by a complete, reconstructable audit trail.
- Breach detection time
- Timeframe between a policy breach and the alert.
- Cross-channel consistency
- Consistent outcomes for the same profile across branch, broker, or online.
timveroProof, Answered
Apply for timveroProof-
What exactly is timveroProof?
timveroProof is a fixed-scope, fixed-duration pilot program. You choose one of your own credit products, we configure it on timveroOS with your actual decisioning logic, and you evaluate it against metrics agreed before the pilot starts.
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How is it different from a sandbox or a free trial?
A generic sandbox runs sample data through a demo environment that resembles no product you actually operate. timveroProof runs your product on your rules, and ends in a decision against criteria you set, not an open-ended trial with no defined outcome.
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How long before we see our product running?
Most timveroProof pilots reach a live working session, where we change one of your rules in front of you, within two to three weeks of the requirements session.
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Do you need access to our production data?
No. timveroProof runs on historical or anonymized data by default. Data scope and handling are agreed during the requirements session, and your production systems are never exposed.
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What do we have to provide?
The credit product you want to test, the decisioning logic behind it, and roughly two hours of your team’s time for the requirements session. TIMVERO and timveroAI Studio handle configuration and deployment.
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Does the AI make lending decisions?
No. timveroAI assembles and configures your decisioning logic from a plain-English brief, and your team reviews and approves that configuration before it runs. What executes in production is deterministic logic you approved, not a generative model making live credit decisions.
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Can we go live on the pilot?
Yes, at the Build Partner level, the same way it happened for AMIO Bank: the environment built during the pilot becomes your production build directly, with no rebuild from scratch. At the Diagnostic and Pilot levels, go-live is a separate conversation after the pilot concludes.
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What if the pilot does not hit its metrics?
You walk away. Your pilot agreement includes an exit clause: if you hit fewer than two of the three metrics you set, there is no further commitment and no renewal conversation.
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How is timveroOS deployed and who owns the configuration?
timveroOS deploys inside an environment you control, and the configuration built during timveroProof is yours. If you move to a license, that configuration carries forward directly, none of the pilot’s work is thrown away.
Apply for timveroProof
Tell us about the product you want to test. A TIMVERO solutions architect will scope your timveroProof pilot and confirm the timeline.