Turnkey lending software for B2B and B2C lenders
CompassWay loan management software for all lending solutions
Automate every step of lending on one white-label platform: online application, credit decision, contracting, servicing, collection and reporting. Launch fast, configure freely, and give borrowers a seamless experience.
30 minutes with our product team, then a sandbox with your own scenarios.
Online application
Credit decision
Scorecard: Consumer v3 · 14 business rulesWhat we offer
End-to-end digital loan management, from first click to final repayment
One platform supports every phase of the loan lifecycle, so your team works in a single system instead of stitching tools together.
Apply
White-label online application and a 24/7 borrower portal.
Loan applicationDecide
Configurable scorecards, business rules and instant credit decisions.
Credit decisioningContract
Agreement templates, e-signature and document upload.
Loan originationService
Repayment schedules, payment processing and automatic reconciliation.
Loan servicingCollect
Automated reminders and arrears workflows that cut the effort of handling defaults.
Debt collectionReport
Portfolio, delinquency and risk-aging reports on live data.
Reporting
Comprehensive digital lending platform
A full suite of lending software for small businesses and consumer lenders, covering origination through servicing and debt collection.
Simpler lending processes
Consistent, compliant workflows and stronger credit decision-making across the whole loan journey.
Optimised servicing and collection
Automate routine servicing and collection tasks and manage repayments with less manual work.
Centralised lending functions
Run your lending operations from one place, process loans faster and keep borrowers satisfied.
Maximise efficiency and return with one lending platform
Better customer experience
Online applications and progress tracking, electronic document signing and automated payment reminders let borrowers apply and follow their loan online without calling your team.
Fewer human errors
CompassWay loan origination software automates repetitive tasks, cuts manual paperwork and removes redundant steps.
Streamlined operations
Replace disparate tools with a unified digital lending platform and digital document management built specifically for lending.
SaaS lending software
Ready to use from day one, configurable to the way you lend.
Cost reduction through automation
Automatic field population replaces manual data entry. End-to-end automation removes bias and error at every stage, lowering operating costs and raising efficiency.
Complete loan lifecycle on one platform
Application, processing, origination, underwriting, scoring, servicing and collection all run in one system.
Every lending process tailored to your business
A ready-made solution that adapts to your products and processes. Startups and established lenders alike configure it to their own requirements.
Key features
Digital lending platform
Nine modules that work together. Pick a module to see what it includes.
Loan application
A branded application your borrowers can complete online in minutes.
- White-label design
- Multiple login options
- Online loan application
- Intuitive application flow
- Initial repayment plan
Borrower portal
A self-service space where borrowers apply, check and manage their loans at any time.
- 24/7 loan application accessibility
- Omnichannel digital onboarding
- User-centric dashboard
- Instant loan check
- Self-service repayment editing
- Transaction details and history
Loans
Build and adjust loan products without development work.
- Product builder
- Interest calculation methods
- Repayment allocation order
- Loan fee and penalty setup
- Arrears settings
- Securities settings
Loan underwriting
Your credit policy, turned into automatic, consistent decisions.
- Template-based loan application form
- Fully configurable scorecard
- Business rule engine
- Instant credit decision
- Risk-based pricing
Risk management
Control risk at every application with data-driven checks and clear escalation.
- Automated eligibility checks
- Automated scoring based on default
- Overrule escalation processes
- Data-driven decisions
- Risk assessment
- Co-applicant or guarantor
Loan servicing
Repayments collected, allocated and reconciled as they happen.
- Real-time loan repayment
- Customisable repayment schedules
- Automated reconciliation of repayments
- Payment processing
- Real-time notifications
- Paperless and secure
Information security
Borrower and portfolio data protected by design, in an ISO 27001 certified environment.
- HTTPS protocol
- Cloud-based
- Role-based access
- API clients
- Audit trail
- Temporary user lockout
Loan agreement management
Agreements generated, signed and tracked without paper.
- Automated loan agreement templates
- Real-time agreement status
- Accurate due date calculation
- Dynamic covenant and penalty inclusion
- Automated contracting with e-signature
- Document upload
Reporting & analysis
See the health of your portfolio and the performance of your credit policy.
- Application report
- Risk management report
- Credit assessment report
- Portfolio performance report
- Delinquency report
- Risk aging report
One lending platform, many solutions
The same core platform, configured for the product you lend.
Payday loans
Payday loan software for payday lenders and microfinance institutions, built for fast applications and short repayment cycles.
In-house financing
Everything you need to manage credit applications, assess risk and set up payment plans for your own customers.
Personal loans
Automate personal, instalment and other unsecured lending products from application to repayment.
Student loans
Eligibility checks, fund disbursement and repayment schedules handled across the full loan lifecycle.
Home improvement loans
Renovation financing that moves quickly for both lenders and borrowers.
Point of sale and BNPL
Offer instalment payments at checkout, online or in store, with decisions made while the customer waits.
Merchant cash advance
Provide fast, flexible funding to businesses and manage advances and remittances in one place.
Auto loans
Vehicle financing with configurable products, securities settings and repayment schedules.
Inside the platform
Manage the whole portfolio from one screen
Track every loan from origination to closure. Built-in decision logic and loan automation keep your portfolio accurate without manual effort.
Explore loan management software| Loan | Product | Status | Balance |
|---|---|---|---|
| L-10592 | Instalment | Current | $840.00 |
| L-10588 | BNPL | Current | $312.50 |
| L-10571 | Payday | 7 days late | $265.00 |
Set your credit policy, not code
Customisable scorecards and decision engine parameters simplify the application process and fit your consumer lending products, improving both customer experience and operational efficiency.
Explore loan origination≥ 21Pass≤ 45%Pass≥ 600Pass≤ 3Pass> 5×Manual reviewTier B priceOfferSchedules and interest calculated for you
Interest is calculated automatically from the rate, balance and payment frequency. A configurable repayment generator builds annuity and other repayment structures.
Explore loan servicing| # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 217.86 | 187.86 | 30.00 | 1,012.14 |
| 2 | 217.86 | 192.56 | 25.30 | 819.58 |
| 3 | 217.86 | 197.37 | 20.49 | 622.21 |
| 4 | 217.86 | 202.30 | 15.56 | 419.91 |
| 5 | 217.86 | 207.36 | 10.50 | 212.55 |
| 6 | 217.86 | 212.55 | 5.31 | 0.00 |
See the full platform in a personal demo
A 30-minute call with our product team, then a sandbox with your own lending scenarios. When you are ready, launch within a couple of weeks.
Trusted by lending executives and teams
E-commerce, consumer credit and BNPL providers run their lending on CompassWay.
sales growth after launching in-house BNPL
“Our e-commerce platform attracted plenty of visitors, but converting that traffic into sales was hard. We partnered with CompassWay to add buy now, pay later in-house financing. Flexible BNPL loans made higher-priced items accessible and boosted our sales by 30%.”
“Our clients are mostly millennials who want fast, easy lending.”
Manual risk management was slowing our credit decisions. Moving to CompassWay’s end-to-end platform improved our acquisition cost and applicant-to-client conversion. Because we can update risk models quickly, default rates have gone down and profitability has gone up.
“Operational in weeks, well beyond our expectations.”
Limited payment options were driving cart abandonment for the SMEs we serve on Instagram and Facebook. With CompassWay we built a BNPL solution that lets merchants offer flexible payments at checkout. The customisable platform made deployment fast and smooth.
Frequently asked questions
Can’t find your answer? See all FAQs or contact us.
What are the benefits of the CompassWay loan origination system?
A seamless application experience across all channels, with data validation and integration with external data sources. Instant decisions and personalised offers, including debt consolidation, restructuring and customer negotiation. Fully automated disbursement, intuitive interfaces, the fastest time to market with maximum configuration freedom, and simple API integration with your existing systems and third-party providers.
Can I try CompassWay before buying?
Yes. Book a personal 30-minute demo, and after it we set up a sandbox with your own lending scenarios so your team can try the system.
How much does the CompassWay solution cost?
CompassWay offers licensing models tied to platform functionality, so you scale as you grow and pay only for what you use. After a personal demo we prepare a quote for the configuration your business needs.
Can I integrate CompassWay with other solutions?
Yes. The platform includes API management, so you can connect third-party products and services to your lending portal.
From the blog
Key automation steps in consumer and commercial lending
Which parts of the lending process to automate first, and what changes for your team and borrowers.
Read the guide Loan originationHow advanced loan origination software shapes the future of lending
What a loan origination system does and how modern LOS features change credit operations.
Read the article Getting startedHow to start a lending business
The practical steps to launch a lending company, from product design to the technology you need.
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