Menu

Loan Process Automation

The system for automation of loan process: preparation, review and issuing the credit, signing agreements by the bank with legal and natural persons, monitoring of borrower's creditworthiness and other credit agreement terms fulfillment

Contact us Request a demo
Get a product presentation now

We will send a link to your email

Loan automation

The product gives you the ability to automate work with client credit applications, automate business processes «Time to Yes» and «Time to Money», and work of the credit committee. This will significantly save time and resources, and provide the ability to effectively control the bank’s loan processes or any other company’s crediting

Get our product — get all you need

  • Business process «Time to Money»

    Business process «Time to Money»

    Documentation of the loan, which includes preparation of the document package, automatic or manual specifying services to approve and sign the agreement (with a digital signature in particular). There is also the ability to generate and print document packages, and control the covenant agreement and document package legitimacy

  • Business process «Time to Yes»

    Business process «Time to Yes»

    A sub-system for calculating credit indicators, and solvency and security ratios. Automatic or manual specifying services to review and approve credit applications, or refine them if necessary. Automatic generation of the consolidated conclusion of application approvement

  • Client dictionary

    Client dictionary

    Conducting client dictionary with complete information about contacts, details, documents, and operations. There is a possibility to exchange data with other systems with the help of integration capabilities, and also a consolidation of client information in a single place

  • Automation of the credit committee work

    Automation of the credit committee work

    An electronic voting sub-system, quorum qualification, and presence of timers for vote conducting. Configuring the voting logic, and automated generation of decision protocol, with the next signing with the digital signature (QES)

  • Reliable document storage

    Reliable document storage

    Centralized storage for the information and documents related to the borrowers, credit applications, credit limits, and pledge objects. All information is stored centrally and is accessible to users according to their official powers

  • Credit applications

    Credit applications

    Credit application creation directly from the client card with the automated setting of bilateral connection

Why does the softXspace Credit?

  • Time and resources saving

    The product allows you to automate a complete range of crediting business processes, that lead to a significant reduction in document processing time, a reduction of up to 60% in operating losses, a 30% reduction in administrative expenses, and a reduction of financial risks due to delays. The time for approval and signing of documents is reduced from 2-3 weeks to 1 hour. The softXspace platform allows you to implement the product on a completely free stack of server products (OS, DB, application server, and development tools). This will provide a low cost of system ownership and extremely low overheads

  • Standardization and control

    Due to the standardization of all working procedures, you can forget about mistakes while one or another business process. Configure standard approval routes, work with typical document templates, that have passed a legal examination, and provide compliance with regulations and all approved procedures. Provide 100% resolution executions thanks to the term monitoring and on-time performance of work duties. Be assured that documents are moved through all required approval and signing stages

  • Reliable and safe 24/7 access

    The product provides reliable storage of documents in the cloud, avoids data leaks, and provides users secure access at any convenient time. You will be able to have full access to files 24/7 and work from anywhere and at any time, including the ability to teamwork and document online editing, that assists comfortable remote employees operations and interaction simplification of employees from different divisions

Connect integrations

  • softXspace platform

    softXspace platform

    With the help of the softXspace platform capabilities, you can transform your everyday routine work, automate processes and create a modern information space in a short time with minimal costs. Our Low Code tools for the personal development of business processes without programming will allow you to quickly build individual forms, cards, and many more

  • softXspace product line

    softXspace product line

    You can quickly integrate our ready-to-go products with a document workflow system, contract automation, procurement management, etc. Powerful open API (REST, SOAP, a full-fledged CMIS standard implementation) allows you a rapid integration of the product into the company information space

  • Third-party systems

    Third-party systems

    Establish a unified integrated IT infrastructure due to the ability to combine the product with third-party systems: ERP, ECM, DMS, internal portals, The ability to integrate with acounting systems and CRM (Dynamics 365, SAP, Salesforce), automated banking systems, or other systems that support integration abilities

  • Cloud and online services

    Cloud and online services

    Ability to integrate with Microsoft 365 services (Outlook, Teams, OneDrive, SharePoint, Microsoſt Exchange, Word, Excel, Power BI, etc.), Google (Drive, Document, Gmail, Calendar, Meet, etc.). Integration with services of electronic signing, online sites of legally significant document workflow, counterparty verification services, etc.

  • Document signing services

    Document signing services

    Provide a full-fledged legally significant document workflow thanks to the integration of document signing services (use keys of most popular Ukrainian TSP, Diia Sign, digital signature service (DSS), Adobe Sign, DocuSign, and others). Ability to net/cloud storing of keys and rich functionality of signatures visualization

  • Scan and recognition module

    Scan and recognition module

    Our scan&recognition module allows you to implement the functionality of text recognition from scanned documents of any format, the ability to search by the text content of scanned documents, stream scanning directly into the system, and processing of QR and bar codes

Clients

Raiffeisen Bank | Case Studies | soft Xpansion
Raiffeisen Bank

One of the leaders in the banking system of Ukraine

UKRSIBBANK | Case Studies | soft Xpansion
UKRSIBBANK

Ranks second in the TOP-20 most reliable banks in Ukraine

ING Bank | Case Studies | soft Xpansion
ING Bank

Among top 3 banks servicing international clients in Ukraine

Pivdenny Bank | Case Studies | soft Xpansion
Pivdenny Bank

One of the largest commercial banks with Ukrainian capital operating on the domestic financial market

Piraeus Bank | Case Studies | soft Xpansion
Piraeus Bank

The largest Greek bank and the company in the country

Globus Bank | Case Studies | soft Xpansion
Globus Bank

Ukrainian Commercial Bank

ProCredit Bank | Case Studies | soft Xpansion
ProCredit Bank

Part of the Procredit Holding AG group of companies (Germany)

Bank Portal | Case Studies | soft Xpansion
Bank Portal

Modern universal bank

Get a product presentation now

We will send a link to your email

Start now

Ask for an individual demonstration right now and open the new abilities to interact with all your financial company customers

Request a demo

What's new?

  • How Novus Automated Contract Management: Results of the First Phase

    How Novus Automated Contract Management: Results of the First Phase

    March, 2025

    Novus, one of the largest supermarket chains in Ukraine, chose the Low-Code/No-Code platform softXspace to comprehensively automate its contract management processes.

    Read more

  • soft Xpansion on DIGITAL BANKING FRONT & BACK-OFFICE. RPA DAY – 2025

    February, 2025

    The event brought together top experts, analysts, and financial market leaders to discuss the latest trends in banking technology, process automation, and the use of innovative IT solutions.

    Read more

  • Streamlining Contract Management with Low-Code Solutions

    February, 2025

    In this article, we examine how low-code solutions can transform contract management, how to implement workflow automation, and the benefits of adopting these tools to increase productivity and reduce errors.

    Read more
How Novus Automated Contract Management: Results of the First Phase

How Novus Automated Contract Management: Results of the First Phase

March, 2025

Novus, one of the largest supermarket chains in Ukraine, chose the Low-Code/No-Code platform softXspace to comprehensively automate its contract management processes.

Read more

soft Xpansion on DIGITAL BANKING FRONT & BACK-OFFICE. RPA DAY – 2025

February, 2025

The event brought together top experts, analysts, and financial market leaders to discuss the latest trends in banking technology, process automation, and the use of innovative IT solutions.

Read more

Streamlining Contract Management with Low-Code Solutions

February, 2025

In this article, we examine how low-code solutions can transform contract management, how to implement workflow automation, and the benefits of adopting these tools to increase productivity and reduce errors.

Read more

soft Xpansion is an international company with more than 25 years of experience in the development and implementation of software products

Join us
Contact us