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    Lending Cloud is an innovative, fully integrated, credit management solution used by 600 US banks and credit unions. Flexible enough to handle commercial, agricultural, and small business lending, its cloud-based, software-as-a-service (SaaS) delivery model makes Lending Cloud easy to implement and use in a range of settings and institutions.

    A cloud-based lending system built by bankers for bankers

    • Make credit decisions with integrated financial spreading on flexible templates, plus debt schedules and collateral analysis for all loan types.
    • Perform credit analyses with built-in credit scoring configured to your credit policies and risk rating rules. 
    • Approve credits using deal information in multiple configurable formats, stored electronically and accessible through one central system.
    • Manage portfolio risk with a dashboard that includes patented portfolio shock and stress testing capabilities.
    • Service and monitor credits with covenants, ticklers, and exception management.
    • Integrate web-based services with core systems, loan doc systems, and third-party data.
    • Access cloud-based, single source, multi-tenant technology, hosted on a highly secure and scalable infrastructure.

    Improve decision quality, operational efficiency, and regulatory compliance

    • Capture operational efficiencies from a single, scalable solution that covers all your commercial, agricultural, and small business loans.
    • Make better and faster credit decisions with improved standardization across the portfolio, based on automated and auditable processes.
    • Quantify portfolio risk by looking at concentrations along several attributes; conduct loan-level stress testing to show how specific factors affect risk exposure.
    • Respond confidently to auditors and regulators on data quality issues with an automated system that eliminates error-prone manual processes and backs up loan data automatically.
    • Leverage a flexible and configurable workflow to fit your specific lending practices in either an integrated or modular approach.
    • Take advantage of regular enhancements and new updates the day they become available without additional IT burdens.

    Contact us for a demo

      Learn how Lending Cloud can streamline your underwriting processes and help you make more profitable loans, faster. We would be happy to give you a personal demonstration of the solution.

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