How does the Loan Origination System automate the analysis of business financials?

Our LOS features an intelligent financial spreading tool. Applicants can upload their financial statements (P&L, Balance Sheet, etc.), and the system automatically extracts key data to calculate cash flow, debt service coverage, and other critical business ratios according to your credit policy. This dramatically reduces manual data entry and analysis time for underwriters.

Can the LOS handle different types of SME loan products like term loans and lines of credit?

Yes, absolutely. The Lendisys platform is built with configurable workflows. You can design unique origination processes, underwriting rules, and document requirements for each of your SME products, including term loans, working capital lines of credit, and equipment financing.

Does the system integrate with business credit bureaus?

Yes, our LOS integrates seamlessly with major business credit bureaus like Dun & Bradstreet. This allows your underwriting team to pull business credit reports and scores directly within the application, creating a more efficient and comprehensive review process.

How does the platform help manage covenants for SME loans?

During origination, you can establish financial and non-financial covenants within the LOS. This information is then seamlessly passed to your servicing system, and our platform can also be configured to assist in post-funding monitoring, ensuring ongoing compliance with loan terms.

The Loan Origination System for SME Lending

Empower the engine of the economy with fast, intelligent business financing. The Lendisys Loan Origination System is designed to automate and streamline your entire SME lending process, from digital application to rapid funding.

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Features of Our SME Loan Origination System

Our LOS provides the specific tools you need to underwrite and approve small business loans with speed, accuracy, and confidence.

Automated Financial Spreading

Instantly extract data from P&L statements, balance sheets, and tax returns to automate cash flow analysis and DSCR calculations, freeing up your underwriters to focus on the story behind the numbers.

Rapid, Rules-Based Decisioning

Configure your unique credit policies within our powerful decision engine. Automate approvals for straightforward requests and flag more complex applications for manual review, ensuring both speed and diligence.

Holistic Business View

Integrate with business credit bureaus and other data sources to get a complete picture of the applicant, including their credit history, ownership structure, and industry risk factors, all within one unified platform.

Become the Lender of Choice for Small Business

In the competitive SME market, your loan origination process is your key differentiator. Lendisys helps you deliver a superior experience.

Deliver Faster Funding

By automating the most time-consuming parts of underwriting, you can provide business owners with the capital they need in days, not weeks, helping you win deals against slower competitors.

Empower Your Relationship Managers

A streamlined LOS allows your team to spend less time on paperwork and more time building relationships and providing valuable advice to your small business clients.

Scale Your Portfolio Profitably

Increase your capacity to originate more high-quality SME loans without proportionally increasing your operational costs, driving profitable growth for your institution.

The SME Loan Origination Journey, Accelerated

Our Loan Origination System turns a complex, document-heavy process into a simple and efficient digital workflow.

Digital Application

Business owners complete a simple, dynamic online application, uploading financial statements and other key documents with ease.

Automated Analysis

The LOS instantly spreads financials, calculates cash flow, and pulls business credit, presenting a complete picture to your underwriter.

Underwriting & Decision

Your team reviews the automated analysis, structures the loan terms, and makes a final credit decision within the platform.

E-Signing & Funding

Once approved, the LOS generates the loan agreement for e-signature and prepares the deal for fast and efficient funding.

Configured for Your Business Banking Strategy

Whether you offer simple term loans or complex lines of credit, our Loan Origination System is built for flexibility. We configure the workflows, credit policies, and reporting to match your institution's specific SME lending goals.

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Your SME Lending Questions, Answered

Find answers to common questions about how the Lendisys Loan Origination System can enhance your business lending operations.

Empower Small Business Growth

Be the financial partner that small businesses can rely on for speed and efficiency. Discover how the Lendisys LOS can help you serve your community and grow your portfolio at the same time.
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