Comarch Loan Origination
Comarch Loan Origination
for SMEsAutomate credit sales for Small and Medium-sized Enterprises
Our solution can be used by:
Banks and other financial institutions
Comarch Loan Origination for SMEs enables more efficient control of credit risk and allows for cutting time needed to grant a loan. The system automates the work of client advisors managing the credit-granting process. It allows banks to optimize SME lending end-to-end: loan simulation, application verification, analysis of customer financial situation, decision making and fund disbursement.
Accelerate your SME lending processes by over 30% and grant simple loans within one hour
Grow your business with a future-proof SME lending solution that can be easily expanded with new loan products or customer segments
A comprehensive SME lending solution that helps attract clients who might otherwise choose fintechs. Fully compliant with GDPR, PSD2, and AML IV, and includes business administration tools for quick adaptation to regulatory changes.
Credit risk mitigation through automated scoring and risk rating mechanisms. Runs customer checks with internal & external databases. Supports fraud detection by identifying duplicate loan processes for the same client.
Increased revenue per loan with end-to-end automation for various loan products like commercial finance, working capital, fixed assets, overdrafts, and revolving loans. Centralizes all applications into a single lending channel, offering a complete overview of lending operations.
A user-friendly SME lending software that minimizes repetitive tasks and enables automated credit decisions and risk assessments. The system supports single data entry, eliminating redundancy, and ensures high data quality while guiding relationship managers throughout the loan process.
Facilitated KYC process through internal and external data sources, including access to customer business relationships and Ultimate Beneficial Owners (UBOs). Provides a full financial overview with graphic financial ratios, internal and external liability reviews, and PSD2-compliant access to data from other banks.
Handles all bookkeeping formats, with tailored templates for startups and agribusiness. Automates and simplifies covenant management based on agreement type, loan amount, and risk level, ensuring accurate and consistent loan documentation.
Multi-product agreement allows the customer to try new products without going through the credit application process again
Formalities reduced to minimum when applying for a loan: no heaps of documents needed, no lengthy decision processes – plus lending limits calculated based on customer cash flow
Quick fund disbursement, even on the same day, with pre-generated document checklist and document signage via online banking
Transparent limit calculated once for different credit products that can be quickly launched depending on business needs
Different channels for credit application and advisory, online, mobile or – in person, be it in the bank or wherever your customer is
Credit application status notifications that keep customer well informed
Guidance when using loan simulators with an option to play with available loan variants in order to find out the best one
