Corporate Loan Origination System by ApPello

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Flexible product definition

The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:

Flexible product definition

The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:

Flexible product definition

The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:

Flexible product definition

The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:

A corporate workflow diagram displaying a draft version, featuring interconnected nodes for operations like calculations, product parameters, risk analysis, and partner scoring, depicted with arrows indicating process flow.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

Process-focused UI / UX

The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.

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Decision Engine

The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.

Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.

The engine runs in real time via APIs or in batch for periodic reviews.

Decision Engine

The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.

Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.

The engine runs in real time via APIs or in batch for periodic reviews.

Decision Engine

The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.

Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.

The engine runs in real time via APIs or in batch for periodic reviews.

Decision Engine

The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.

Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.

The engine runs in real time via APIs or in batch for periodic reviews.

Financial Statement Analyzer

Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.

Financial Statement Analyzer

Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.

Financial Statement Analyzer

Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.

Financial Statement Analyzer

Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.

A flowchart represented by 4 yellow card with data, set against a light grid-patterned background, representing smooth customer journey.

Transparent, seamless customer journey

Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.

Transparent, seamless customer journey

Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.

Transparent, seamless customer journey

Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.

Transparent, seamless customer journey

Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.

Collateral management

Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.

Collateral management

Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.

Collateral management

Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.

Collateral management

Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.

Limit management

Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.

Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.

Limit management

Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.

Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.

Limit management

Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.

Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.

Limit management

Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.

Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.

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Covenant Management

Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.

Covenant Management

Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.

Covenant Management

Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.

Covenant Management

Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.

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Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

Documents & Contracts

Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.

AI-Powered Document Intelligence

Loan applications often involve a variety of supporting documents, income statements, financial reports, tax certificates, business plans, or even scanned ID cards. These documents typically come in as PDFs, scans, or image files, and going through them manually takes time, increases the risk of errors, and drains resources. Our AI-based Document Intelligence module addresses this by automatically extracting data from these unstructured sources, including image-based formats, and converting them into clean, structured information that can be used right away within the lending process.

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Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

Groups of connected customers

In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.

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Embracing ESG Principles

The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.

Embracing ESG Principles

The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.

Embracing ESG Principles

The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.

Embracing ESG Principles

The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.

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Configuration over customization

Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.

Configuration over customization

Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.

Configuration over customization

Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.

Configuration over customization

Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.

Business Configuration

The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:

Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog

Business Configuration

The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:

Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog

Business Configuration

The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:

Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog

Business Configuration

The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:

Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog

Corporate and SMELoan Origination System

Corporate and SMELoan Origination System

Discover Product Details

Discover Product Details

Discover Product Details

Discover Product Details

Main Benefits

Main Benefits

Comprehensive functionality for corporate, SME, and micro segments

Preconfigured data model, workflows, validations - 60-80% ready on day one

Easy configuration with our low-code platform

Easy configuration with the AI-driven low-code platform

Reduced TTM and TTY through automation, integrations, and performance management

Lower costs and higher efficiency through optimized workflows

Automated risk decisioning with the integrated Decision Engine

ESG data collection and evaluation

Built-in AI for propensity-to-buy, credit scoring, early warning, and more

Workflow

Workflow

Product Features

Product Features

Flexible product definition

Flexible product definition

Flexible product definition

Flexible product definition

Process-focused UI / UX

Process-focused UI / UX

Process-focused UI / UX

Process-focused UI / UX

Decision Engine

Decision Engine

Decision Engine

Decision Engine

Financial Statement Analyzer

Financial Statement Analyzer

Financial Statement Analyzer

Financial Statement Analyzer

Transparent, seamless customer journey

Transparent, seamless customer journey

Transparent, seamless customer journey

Transparent, seamless customer journey

Collateral management

Collateral management

Collateral management

Collateral management

Limit management

Limit management

Limit management

Limit management

Covenant Management

Covenant Management

Covenant Management

Covenant Management

Documents & Contracts

Documents & Contracts

Documents & Contracts

AI-Powered Document Intelligence

Groups of connected customers

Groups of connected customers

Groups of connected customers

Groups of connected customers

Embracing ESG Principles

Embracing ESG Principles

Embracing ESG Principles

Embracing ESG Principles

Configuration over customization

Configuration over customization

Configuration over customization

Configuration over customization

Business Configuration

Business Configuration

Business Configuration

Business Configuration

ApPello Case Studies

ApPello Case Studies

Related Products

Related Products

Corporate and SME
Loan Origination System

Corporate and SME
Loan Origination System