# timveroProof: Lending Software Pilot Program

> timveroProof is a fixed-scope, fixed-duration pilot program. You choose one of your own credit products, TIMVERO configures it on timveroOS with your actual decisioning logic, and you evaluate it against metrics agreed before the pilot starts.

## What timveroProof Is

A production-ready environment configured with your actual credit rules, integrations and operational workflows, running on the timveroOS Building Platform via API next to your existing core.

- **0 change requests:** your risk and product teams change scoring or routing rules themselves, with no IT ticket or vendor queue.
- **100% lifecycle coverage:** intake, decisioning, servicing, schedules and a complete audit trail.
- **0 core changes:** your core stays the system of record. Nothing is migrated or rewritten.

Typical uses: modernize a legacy core product, launch a concept stuck in the backlog, or validate a full origination-to-servicing workflow.

## What It Proves

- **You change the rules yourself.** Scoring or routing logic changes live, without code. Shown live on the call.
- **You test your real complexity.** Your collateral calculations, covenant rules and edge cases, on your own scenarios rather than vendor demo data.
- **Your pilot can go live as it is.** The products, rules and integrations validated during the pilot can run in production without rework or a second setup.

## The Lending Paradox

Standard platforms automate routine happy-path applications (about 70% of volume) but break on the complex 30% that consumes most of a lending team's time. timveroOS covers both end to end.

## By Lender Type

- **Banks:** launch a new lending product next to the core, connected via API, with the core untouched. Measure applications decided without manual review, time to decision, time to change a rule.
- **Credit unions:** member-loan decisioning on your own credit policy and pricing rules, including indirect dealer channels. Measure time to decision and time to change a policy rule.
- **Fintechs:** a credit product configured from origination to servicing without building the lending stack. Measure time to first product live, time to launch a variant, cost per originated loan.
- **Specialty finance:** non-standard deal structures, advance rates and broker intake in one system, tested on historical cases. Measure deals processed without workarounds, time from application to funding.
- **Private credit:** underwriting and monitoring models moved out of spreadsheets into a system of record. Measure deals managed in-system, time to prepare a portfolio report.

## Measured on Live Volume

You choose the KPIs before the pilot starts; the pilot succeeds or fails against them. Candidate KPIs:

- **Efficiency:** automated decision rate, manual touches per loan, in-system exception rate.
- **Speed:** total time to decision, time to disbursement, policy rollout speed.
- **Cost:** cost per originated loan, cost per system change, servicing cost per loan.
- **Risk and compliance:** decision audit coverage, breach detection time, cross-channel consistency.

## FAQ

**How is it different from a sandbox or a free trial?** A sandbox runs sample data through a generic demo. timveroProof runs your product on your rules and ends in a decision against criteria you set.

**How long before we see our product running?** Most pilots reach a live working session, where a rule is changed in front of you, within two to three weeks of the requirements session.

**Do you need access to our production data?** No. The pilot runs on historical or anonymized data by default; your production systems are never exposed.

**What do we have to provide?** The credit product you want to test, the decisioning logic behind it, and about two hours of your team's time for the requirements session. TIMVERO and timveroAI Studio handle configuration and deployment.

**Does the AI make lending decisions?** No. timveroAI assembles and configures your decisioning logic from a plain-English brief; your team reviews and approves it. Production runs deterministic logic you approved.

**Can we go live on the pilot?** Yes, at the Build Partner level, as happened for AMIO Bank: the pilot environment becomes your production build. At the Diagnostic and Pilot levels, go-live is a separate conversation after the pilot.

**What if the pilot does not hit its metrics?** You walk away. If fewer than two of the three agreed metrics are hit, there is no further commitment.

**Who owns the configuration?** You do. timveroOS deploys inside an environment you control, and the pilot configuration carries forward if you move to a license.

## Apply

Tell us about the product you want to test at https://timvero.com/proof#proof-form. A TIMVERO solutions architect will scope the pilot and confirm the timeline.

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Source: https://timvero.com/proof
Last updated: 2026-09-29