Digital channels · an edition of Unified Customer & Partner Portals
Lending Portal
One digital channel for borrowers, from first enquiry to the last repayment, for first-charge and second-charge lending.
Overview
Why lending portal on Fingress
Borrowers expect to apply, upload documents, track their loans and pay online, wherever they are. The Fingress Lending Portal is a lending edition of the Unified Customer Portal: it engages and services retail and corporate borrowers across first-charge and second-charge products, connected to your loan management and core systems, with the approvals and vetting your credit and compliance teams require.
Who uses it
- Retail and corporate borrowers
- Banks, NBFCs, building societies and specialist lenders
- Brokers, introducers and relationship managers
- Lending operations, credit and collections teams
Capabilities
What Lending Portal includes
Leads and applications
Capture leads from web, mobile, branches and introducers, and convert them into structured applications.
Loan accounts
Retail and corporate loan accounts in one view: balances, rates, schedules, limits, collateral and charges.
Disbursements
Request and track disbursements and drawdowns, with approvals and real-time status.
Statements and history
Loan statements, repayment history and transaction history to view and download.
Online payments
Pay instalments, arrears and part or full prepayments online, and manage payment mandates.
Case management
Service requests, queries, complaints and disputes, tracked with SLAs and full history.
Functional
From lead to every lending use case
The Lending Portal covers the whole borrower relationship, for first-charge and second-charge lending, retail and corporate, on web and mobile.
Lead capture and qualification
Enquiries from your website, mobile app, branches, brokers and introducers, qualified and routed to the right team.
Apply for new products
Existing and new customers apply online for any product you offer, such as further advances, top-ups, new loans or other products, with pre-filled data.
First-charge and second-charge lending
Support primary secured lending and second-charge lending behind an existing first charge, with the product rules and checks each requires.
Document upload and vetting
Customers upload documents from any device. Operations vet them with maker-checker approval and request missing items in the same flow.
Retail and corporate loan accounts
Individuals see their own loans. Corporates see every facility, with entitlements for multiple users managed by their administrator.
Disbursements and advices
Disbursement requests, drawdown tracking and advices for disbursements, repayments, rate changes and charges, online and by notification.
Statements, loan history and transactions
Loan statements, repayment schedules, payment history and transaction history, with search, filters and downloads.
Online payments
Instalments, arrears and prepayments paid through payment gateways or mandates, with receipts and automatic posting.
Case management
Service requests, statements on demand, payment holidays, complaints and disputes, each with an owner, an SLA and full history.
Reminders and engagement
Notifications for upcoming, missed and overdue repayments, document requests and offers relevant to each customer.
Mobile responsive and mobile apps
Every journey works on any screen size, and the same journeys extend to mobile apps built on the Fingress platform.
Insights
Dashboards on loans, utilisation, collateral and repayments for borrowers, and on applications and servicing for your teams.
Integration
Connected to your lending systems
The Lending Portal is a channel, not another system of record. It works with the systems that already run your loans.
Loan management and core systems
Accounts, schedules, balances and transactions synchronised from your loan management or core banking system through APIs, files or queues.
Origination and credit decisioning
Applications and documents handed to your origination and decisioning systems, and decisions returned to the customer.
Payments
Payment gateways and mandates for collections, with confirmations posted back to the loan account.
Documents with ARCIS
Customer documents stored and governed in ARCIS, with upload-once, verify-once reuse across applications.
APIs and data feeds
REST APIs and file feeds through the Fingress integration framework, with data transformed to your formats.
Security & control
Lending-grade control on every action
The controls of the Fingress platform apply to every borrower, broker and staff action in the portal.
Roles and entitlements
Borrowers, corporate users, brokers and staff see only what their role allows. Corporate administrators manage their own users.
Maker-checker approvals
Disbursement requests, document vetting and account changes follow configurable maker-checker and multi-level approvals.
Audit trail
Every application, request, approval and change is recorded with who, what and when.
Powered by the Fingress platform
Configure it to fit, extend it when you need to
Every Fingress solution runs on the same digital platform and building blocks, so you are never limited to what ships out of the box.
Industries
Where this solution is used
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Explore solutionSee Lending Portal in action
Book a walkthrough tailored to your products, customer segments and systems.