Product
One connected platform, six points of control.
Origination, servicing, referrals, analytics, integrations, and compliance - running as one system instead of stitched-together tools.
How a loan moves through the platform
Every loan, regardless of type, passes through the same five stages. The six modules below carry it through each stage-and everything post-decision.
- 01 Data input
- 02 Validation
- 03 Credit history
- 04 Scoring & rating
- 05 Decision
Credit Scoring & Decisioning
Every product on the platform runs through the same solvency assessment engine - configurable scoring algorithms are evaluated against applicant data, alongside live checks through partner KYC and credit bureau integrations. Decision rules are configured per product: what gets approved, referred, or declined is set by you, not fixed across the whole platform.
Capabilities
- • Configurable scoring algorithms per each product
- • Live KYC and credit bureau checks at origination
- • Per-product approval, referral, and decline rules
- • Online solvency declaration for applicants
- • Automated loan agreement and disclosure generation
- • Consumer Credit Directive documentation support
Loan Servicing & Recovery
Once a loan is live, servicing covers everything in between disbursement and closure: repayment processing, mid-term amendments, and automated borrower communications. When payments are missed, the same system handles recovery - reminder sequencing, escalation, and legal proceedings management - without a handoff to a separate collections tool.
Capabilities
- • Annuity, linear, and bullet repayment schedules
- • Payment holidays with automatic interest recalculation
- • Early settlement with outstanding balance recalculation
- • Repayment date changes and mid-term schedule amendments
- • Automated SMS, email, and in-app reminder sequences
- • Recovery and legal proceedings management for accounts in arrears
- • Multi-currency support across all products
Agents & Referral Network
Referral partners get two things: a control panel to manage their agent network, and an embeddable application interface they can place on their own sites. It works as a loan origination point the borrower never leaves - your product, running on a partner's page without any redirect.
Capabilities
- • Agent control panel for managing referral networks
- • Embeddable application widget for any partner site
- • Multi-tier agent hierarchies
- • Commission tracking and per-agent performance reporting
- • Borrower stays on the partner's page throughout
- • Automated lead routing and application handling
Client result · Agents module
One Agents client saw a 70% increase in client flow after switching on a full network of referral partners.
Analytics & Reporting
Reporting is built in two steps: define the data set you care about, then build a report against it. That structure lets the same engine answer very different questions - portfolio performance, non-performing loan ratios, cohort behaviour over time - without a custom report engineered for each one.
Capabilities
- • Custom data set constructor
- • Configurable report builder
- • Portfolio performance dashboards
- • NPL ratio and cohort behaviour analysis
- • Database export with configurable parameters
- • API access for integration into external BI tools
API & Integrations
The platform exposes a
REST API and webhook events covering origination, servicing, and account state
changes. Multi-tenant by design: multiple brands run on one shared database,
which is also what makes the white label product possible. A sandbox environment is included for integration
work before anything touches production data.
Capabilities
- • REST API covering origination and servicing
- • Webhook events for account state changes
- • Sandbox environment for integration testing
- • Multi-tenant architecture for white label deployments
- • Custom connector support for specific markets
Integration categories
- Credit bureaus & registries
- Open banking
- Payment gateways
- AML / KYC
- E-signature
- Accounting & ERP
- CRM & marketing
- SMS & email
- National registers
- Scoring & decisioning
- Debt collection
Security & Compliance
Creditonline is ISO 27001 and ISO 9001 certified and operates in line with GDPR. Security is built on structured internal processes - controlled access, secure development practices, monitoring, and backup procedures - rather than a single bolted-on feature. The platform is hosted on Microsoft Azure, giving every deployment enterprise-grade cloud infrastructure and security controls. Where payment processing is required, it runs through PCI DSS-compliant payment partners rather than Creditonline holding direct PCI DSS certification.
Certifications & controls
- • ISO 27001 certified - information security management
- • ISO 9001 certified - quality management
- • GDPR-aligned data protection practices
- • Hosted on Microsoft Azure
- • Controlled access and operational security controls
- • Secure development, monitoring, and backup procedures
- • Payment processing via PCI DSS-compliant partners
- ISO 27001
- ISO 9001
- GDPR-aligned
- Microsoft Azure
Connected system
Built as one platform, not six integrations
Scoring feeds into servicing. Servicing feeds into analytics. Agent originations go through the same scoring engine as direct applications. API events reflect the live state of accounts in servicing. Because everything shares the same underlying system, there is no translation layer between modules and no re-keying of data between steps.