Lending.
Every loan product, one core.
Term loans, instalment lending, group loans, working-capital, microfinance and digital credit, originated, serviced and reported on a single AI-native core.
One lending engine for every product.
Most lenders run three or four systems to cover the loan products they actually sell. Oradian's lending engine handles the full spectrum, from microfinance group loans to high-volume digital instalments, on one ledger, one customer record and one set of APIs. Underwriting, disbursement, servicing, restructuring and collections are wired together natively, so your team launches new loan products in days and reports across the whole book in real time.
Lending capabilities, end to end.
Every loan product
Term, instalment, balloon, bullet, group, agri, SME and consumer, configurable without forking the core.
End-to-end lifecycle
Origination, disbursement, servicing, restructure, write-off and recovery on one ledger, fully auditable.
Flexible product design
Configure pricing, fees, schedules, grace periods and amortisation methods per product, per segment.
AI-native underwriting
Score thin-file borrowers on alternative data through real-time APIs and stable decisioning hooks.
Real-time portfolio view
PAR, roll-rates, vintage curves and exposure on live data, no overnight ETL, no shadow spreadsheets.
Regulator-ready
IFRS 9 hooks, provisioning, restructuring controls and regulatory reporting for the regimes you operate under.
One lending engine. Every product. Every borrower.
Talk to the Oradian team about putting Lending into production on your core.