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Lending & Multi-Finance
A digital loan origination system that takes every application from submission to disbursement on one automated workflow.
From application to disbursement
Rule-engine based risk assessment
Configurable approval workflow
A loan origination system (LOS) is the software that manages a loan application from the moment it is submitted until the funds are disbursed. Also called a credit origination system, it replaces manual forms, spreadsheets and email approvals with a single digital workflow covering data capture, verification, credit assessment, approval and disbursement.
HBM's LOS helps banks, BPR and multifinance companies in Indonesia process more applications, faster, with consistent credit decisions and a full audit trail.
Manages loan submissions from multiple channels in one centralized system.
Automatically assesses borrower creditworthiness based on risk scores and financial data.
Schedule a live demo or discuss your specific needs with the HBM team.
Connected to credit bureaus and external systems
Calculates collateral eligibility based on Loan-to-Value ratio and manages documentation through to release.
Configures multi-level approval flows with conditions and turnaround times.
Sets required document types by stage and channel, stored in a centralized repository.
Automates disbursement scheduling and integrates with payment systems based on approved loan terms.
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