Ready to lead the Cloud Lending revolution?
Empower the digitalisation of your loan subscription and management activities, unlock new sources of revenue creation, and build lending experiences that your customers will love.
Empowering customerssuccess stories

TheLoanFactory is the first platform multi-languagechannelproductregulationeverything
Build the lending platform of the future in a heartbeat by configuring performing front-end, middle-office, back-office and servicing workflows, all in one place.

TheLoanFactory in numbers
Future-proof solutions built to create powerful financing experiences
Whether you are looking to replace your current legacy system, to start a new activity, or somewhere in between, discover our solutions here

Complex lending problems require tailor-made solutions
Circeo delivers a white-labelled turnkey Core Lending Platform, covering distribution, subscription and servicing activities, tailor-made to your needs. Define your scope, go live, and gain full autonomy to continuously improve, adapt, and scale your activities like never before.
Learn more about tailor-made solutionsPlug & Play solutions powered by TheLoanFactory
Answer to your business and IT challenges
Decision engine
Configure through graphical interfaces andarisk-specialised BPMN edior, without writing lines of code.
Alternative offers
Apply risk-based pricing, counter proposals in case of refusal related to borrower’s solvency.
Unlimited risk strategies
Configure scoring and decision strategies such as champion challenger, risk-based pricing, scorecards, alerts, and more through a powerful BPMN editor.
Full control over all areas of risk
Set up score, rules, budget solvency, Credit Bureau, AML/PEP and external databases checks, open banking, etc.
Supporting documents
Define and automate supporting document alerts according to risk profiles.
E-KYC
Support for E-KYC functions through off-the-shelf integrated third-party services.
Open banking module
For processing and transformation of raw financial transactions into meaningful ratios, real-time estimation of borrower’s affordability and risk, open banking score model, credit rules and underwriter dashboard.
Underwriting
Define configurable actions for underwriting. Document verification functions and integration with third-party services for automated verification.