The Finflow360 Unified Lending Management (ULM) platform
Innovative, automated, Finflow360 – everything you need to minimize risk, increase efficiency and make lending easier for everyone involved. Automation of the entire loan life cycle is what we do best.
Request a DemoThe Finflow360 ULM platform automates every step of the lending process and makes crediting decisions completely digital for both borrowers and lenders. It’s a modular system that provides unparalleled flexibility and with the quickest time-to-market available. The ULM when used as a whole, is even greater than the sum of its parts.
The ULM solution by Finflow360 includes
Unified Lending Management is a single platform for loan origination, onboarding, loan management, and reporting. This new way of doing digital lending contrasts with traditional methods of having different solutions from different providers for each part of lending.
- Loan Origination
- Underwriting
- AI-Powered Decisioning
- Loan Portfolio Servicing
- Collateral Management
- Collections
- Reporting
- Finflow360 ULM Toolset
Why Your Business Needs Unified Lending Management
Integrated Modular Architecture
The System is configured exactly to your unique requirements and business processes.
Seamlessly connect to any third-party systems or data providers.
Only pay for the modules you need now.
Launch new modules in phases to get up and running 3x times quicker than the competition.
True End-to-End Automation
Loan origination, servicing, management, and collection in a single integrated solution.
Replace legacy core lending system with an intelligent FinTech.
Free up time and resources by automating time-consuming tasks like credit checks, CRM updates, payments, and identity verifications.
How We Make a Difference
Business needs differ. Let us help you find the right solution to fit your budget and achieve your lending goals.
Loan Approval Time -
30 Seconds
Loan Approval Time -
Up to 9 Workdays
Unique Value Proposition
Contractor Portal for In-House Financing
No matter what you’re selling, Finflow360 ULM provides your partners with a fully functional Contractor portal.
- Submit disbursement requests manually or automatically based on your business logic (i.e. uploading images of the completed work or invoices).
- Full contractor management functionality:
- Onboarding process is enhanced with AI-driven underwriting ready for AML and KYC
- Fully automatic payments
- Bank statement scoring, automated configurable reports, and contracts generation
- Different business rules for each contractor
- Automated notifications management
- Advanced branch/sub-branch management
Investor Portal for Peer-to-Peer Lending
Finflow360 ULM for complete automation of the peer-to-peer crediting process.
Finance individual loans or tranches by configurable criteria
Promote investment in tranches based on risk categories vs return
Enable multiple funding strategies for investors
Present in-depth reporting and analysis using the built-in dashboards
Analyze risk scores, make and receive payments, and calculate potential returns
Configurator
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Flow Builder
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FlexGUI
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API's
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Unify All Web Products and Services with Simple API Integrations
- Automate DevOps
- Build and configure new API’s without any coding
- Match message structure with source
- Full ETL (Extract, Transform, Load) capabilities
- Process modelling
- A/B testing between workflows and portals
- GUI-based workflow tools
- API tools enable 10X faster integrations than traditional approaches
- Full sandbox environment
Unified Lending Management Toolset by Finflow360
Finflow360 ULM for complete automation of the peer-to-peer crediting process.
- All configuration is done through Finflow360 Force tools
- No manual updating of the configuration files on a server
- Clear version control
- Built-in debugging tools
- Role and user access permission controls
- Control all facets of the system without having to request vendor assistance
- Build new business processes, forms, and reports
- Modify workflows, approval processes, integrations, and business rules
- Full system documentation available
- Staff training and onboarding
- The System doesn’t require user “critical mass” to make changes
- Develop your platform independently from Finflow360
- Enjoy complete ownership over 100% of your data
Improve Your Time to Market by 3X
Finflow360 Force Configurator
Fully configurable data structure (loans, borrower details, entities, roles, hierarchy, etc.)
Integrations without coding
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Configurable message structure XML, JSON, BSON
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REST, SOAP, webhooks, message queues, etc.
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Native SQL, PSQL, DB2, Oracle connectors
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Built-in version control
Drag-and-drop business strategy management powered by AI
Language management
Scorecard management
Business rules management
Finflow360 Force Flow Builder
Automate any business process exactly the way you need it with proprietary drag-and-drop Flow Builder.
Onboarding/registration
Application process
Multi-level approval process integrated with external data sources
Complex disbursements (strips, line of credit, draws, e-commerce, escrow, etc.)
Complex repayments (escrow, insurance, taxes, LOC, NSF, late fees, etc.)
Complex decision processes
Nested strategies
Infinitely configurable
Easy to use but incredibly powerful
Enables Corporate and Consumer Lending All in One Place
Finflow360 ULM is pre-configured for intelligent automation of different credit products and lending models in a single platform.
01
Provide different borrower types with unique application forms and custom onboarding processes which are fully configurable from the System Dashboard.
02
Offer both business and consumer loans from a single unified platform.
03
Create as many credit products as your operation needs from an intuitive interface.
04
Utilize expert sets of credit decision rules and borrower scoring models powered by Finflow360 AI.
05
Provide origination, underwriting, servicing, and collection teams with separate dedicated workplaces tailored exactly to your requirements.
06
Track the performance and behavior of your staff based on the KPIs you set for them.
Success Stories
Finflow360 team was able to provide Zilingo with an end-to-end lending solution that helps us automate origination, approval, servicing, repayment and more. Thanks to its cloud-based nature, our employees and clients around the globe can access the system at any time. In Finflow360 we’ve found a reliable partner. We know that whenever there’s a challenge, we can work out the optimal solution together.
Finflow360 team was able to provide Zilingo with an end-to-end lending solution that helps us automate origination, approval, servicing, repayment and more. Thanks to its cloud-based nature, our employees and clients around the globe can access the system at any time. In Finflow360 we’ve found a reliable partner. We know that whenever there’s a challenge, we can work out the optimal solution together.
The users like the platform we got from Finflow360 much better. And regulatory compliance got much simpler. Thanks to Finflow360’s screening and reporting functionality, we weed out the vast majority of the dangerous borrowers. Then the system-generated reports can be used for our regulators. Our new Finflow360 platform has exceeded expectations, and the overall user experience has improved.
The users like the platform we got from Finflow360 much better. And regulatory compliance got much simpler. Thanks to Finflow360’s screening and reporting functionality, we weed out the vast majority of the dangerous borrowers. Then the system-generated reports can be used for our regulators. Our new Finflow360 platform has exceeded expectations, and the overall user experience has improved.
Finflow360 facilitated growth and even enabled it. They helped us take excess capacity and fill it. We haven’t changed our business, but we have grown it. In-house financing helps us make sure that the operating rooms are full. With software like Finflow360, any clinic can do it. What’s nice about the platform is its flexibility. The system is structured enough for a newcomer but as you gain expertise it has the flexibility to adjust to a more dynamic organization.
Finflow360 facilitated growth and even enabled it. They helped us take excess capacity and fill it. We haven’t changed our business, but we have grown it. In-house financing helps us make sure that the operating rooms are full. With software like Finflow360, any clinic can do it. What’s nice about the platform is its flexibility. The system is structured enough for a newcomer but as you gain expertise it has the flexibility to adjust to a more dynamic organization.
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