Loan Origination with
Credit Decisioning
Powered by AI

Loan Origination by TurnKey Lender helps your business provide borrowers with unparalleled customer experience in a highly configurable yet scalable platform.

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Streamline your digital lending processes with

A robust back-office for your employees

Adjustable online application flow

Instant credit decisioning

An intuitive well-designed fully digital borrower portal

Advanced analytics and management capabilities for the business owner

Meaningful AI in Credit Decisioning

The System comes with a proprietary AI-driven Decision Engine built-in. TurnKey Lender applies machine learning and deep neural networks to automate credit scoring based on traditional and alternative risk assessment data. This approach helps TurnKey Lender grant unmatched credit decisioning accuracy in just 30 seconds.

The back-office your employees are going to use is designed spefically for digital paperless lending and requires little to no human involvement on the loan origination stage. The TurnKey Lender solution is configured by our team to meet every specific requirement of your business. This means you get exactly the functionality you need, with the fastest time-to-market available for the highest quality solution with the most advanced technology on the market.

Choose the features you want in your lending automation solution:

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Digital Onboarding

AML (Anti Money Laundering) and KYC (Know Your Customer) Compliance Checks

Loan Application Processing

Credit Scoring and Automatic Decisioning

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Customer Onboarding Automation

Lending Challenges Consuming Your Time

No fully digital application capabilities leads to customers using documents and email outside your borrower portal or in-branch applications
Application form is too complicated and rigid so you lose borrowers to your competition
Documents must be submitted via email or as hard copies by customers
Your team can’t automatically accept and process leads from lead-gen services

Solutions with TurnKey Lender

A highly configurable fully digital onboarding workflow with:

A System that is built to support any borrower (SME, individual, etc.) or credit product type
Dynamic forms which allow you to offer the most streamlined application process available
An open API that enables you to integrate with third-party solutions or embed TurnKey Lender into your core lending software
A lead gen management module for automatic upsell and cross-sell campaigns
Manage and monitor lead gen platforms from within your lending platform
The ability to A/B test different workflows with proprietary TurnKey Lender Tools and meaningful Google Analytics integration

Streamlined AML and KYC Compliance

Regulatory Compliance Challenges Putting You at Risk

ID verification performed manually (visual inspection, manual Credit Bureau checks)

Employees have to use multiple systems to do background checks on potential borrowers (Credit Bureau checks, pay verification, bank statements, etc)

Documents are imported as unstructured files and must be reviewed manually

Inability to adequately protect yourself from common and new types of cyber crime

Solution we offer

TurnKey Lender provides you with limitless access to the data sources of your choice. But not only access to them, but automatic analysis of the relevant data for credit decisioning. According to a performance test by Hewlett Packard TurnKey Lender is a flexible configuration choice on a highly scalable and reliable infrastructure.

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Traditional Credit Bureau checks automation
Fully automatic ID verification
Automatic bank account verification and bank statement scoring
200+ built-in fraud detection rules (copy paste, application change, Tor/Proxy, location variance, etc.)
Intuitive blacklists and watchlists management from the System Bank-office

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Automatic Loan Application Processing and Credit Decisioning

Dealing with Outdated Processing and Decisioning

Borrower and loan application data is kept in Excel
Apps get passed back and forth between employees via email and important data points get lost
Making a credit decision may take days or even weeks
Non-standard processes
Workflow is a little too unique for a standard LOS

Solution we offer

Processing and decisioning configured to your exact specifications

Application to the right person at the right step in the process and presented in the most relevant way for their role
Custom adjustable scorecard and decision rules
A configurable back-office interface for staff and borrowers
Business rules that you can apply to any step of the origination process
Configurable auditing and employee tracking
Simple queue management
Customizable loan statuses
Document generation and e-signature

TurnKey Lender’s Loan Origination Solution Collects and Evaluates All Leads in One Place

TurnKey Lender offers unmatched flexibility, scalability and usability when it comes to lending automation. The Loan Origination System can be customized to meet the exact needs of both traditional and alternative lenders offering both personal and corporate credit products. The System you get is:

Perfectly fit to your technical specifications
Processes 100+ applications at the same time without hampering the performance or quality of the decisions
Provides uninterrupted uptime and unmatched speed of operations
Can be cloud hosted by TurnKey Lender or deployed on your local server
Meticulous information cyber security repercussions
Proprietary award-winning Decision Engine is a part of the Loan Origination System. Machine learning algorithms and deep neural networks processing borrowers and loan application data
And much more! Reach out to our team to learn about the functionality that will solve your automation challenges.

Our Unique Value Proposition

Fastest time to market (Frost & Sullivan December 2019 Report)

Flexible pricing model

Scalable functionality

24/7 tech support from lending digitalization experts

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What Business
Owners Say

Our users like the platform we got from TurnKey Lender much better than what we use to do. And regulatory compliance got much simpler. Thanks to TurnKey Lender’s screening and reporting functionality, we weed out the vast majority of the dangerous borrowers. Then the system-generated reports can be used for regulators. Our new TurnKey Lender platform has exceeded expectations, and the overall user experience has improved.

TurnKey Lender team was able to provide Zilingo with an end-to-end lending solution that helps us automate origination, approval, servicing, repayment and more. Thanks to its cloud-based nature, our employees and clients around the globe can access the system at any time. In TurnKey Lender we’ve found a reliable partner. We know that whenever there’s a challenge, we can work out the optimal solution together.

We looked at other lending solutions. But TurnKey Lender was just more accessible and...well, ‘turn key.’ Now we're on a level playing field with the bigger guys without the overhead. This, and intelligent credit scoring, helps us provide our borrowers with affordable loans while working at a profit.

TurnKey Lender facilitated growth and even enabled it. They helped us take excess capacity and fill it. We haven’t changed our business, but we have grown it. In-house financing helps us make sure that the operating rooms are full. With software like TurnKey Lender, any clinic can do it. What’s nice about the platform is its flexibility. The system is structured enough for a newcomer but as you gain expertise it has the flexibility to adjust to a more dynamic organization.