The TurnKey Lender Unified Lending Management (ULM) platform
Innovative, automated, turnkey – everything you need to minimize risk, increase efficiency and make lending easier for everyone involved. Automation of the entire loan life cycle is what we do best.
The TurnKey Lender ULM platform automates every step of the lending process and makes crediting decisions completely digital for your borrowers and lenders. It’s a modular system that provides unparalleled flexibility and with the quickest time-to-market available. The ULM when used as a whole, is even greater than the sum of its parts.
The ULM solution by TurnKey Lender includes
Unified Lending Management is a single platform for loan origination, onboarding, loan management, and reporting. This new way of doing digital lending contrasts with traditional methods of having different solutions from different providers for each part of lending.
- Loan Origination
- AI-Powered Decisioning
- Loan Portfolio Servicing
- Collateral Management
- TurnKey Lender ULM Toolset
Why Your Business Needs Unified Lending Management
Integrated Modular Architecture
- The System is configured exactly to your unique requirements and business processes.
- Seamlessly connect to any third-party systems or data providers.
- Only pay for the modules you need now.
- Launch new modules in phases to get up and running 3x times quicker than the competition.
True End-to-End Automation
- Loan origination, servicing, management, and collection in a single integrated solution.
- Replace legacy core lending system with an intelligent FinTech.
- Free up time and resources by automating time-consuming tasks like credit checks, CRM updates, payments, and identity verifications.
Without TurnKey Lender
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With TurnKey Lender 30 seconds
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Enables Corporate and Consumer Lending All in One Place
TurnKey Lender ULM is pre-configured for intelligent automation of different credit products and lending models in a single platform.
Provide different borrower types with unique application forms and custom onboarding processes which are fully configurable from the System Dashboard.
Offer both business and consumer loans from a single unified platform.
Create as many credit products as your operation needs from an intuitive interface.
Utilize expert sets of credit decision rules and borrower scoring models powered by Turnkey Lender AI.
Provide origination, underwriting, servicing, and collection teams with separate dedicated workplaces tailored exactly to your requirements.
Track the performance and behavior of your staff based on the KPIs you set for them.
Proven and Tested Solution for Scalable Digital Lending
TurnKey Lender scales seamlessly to process up to 3M loans per working day without any requirements for additional cloud hardware.
Unique Value Proposition
Contractor Portal for In-House Financing
No matter what you’re selling, TurnKey Lender ULM provides your partners with a fully functional Contractor portal.
- Submit disbursement requests manually or automatically based on your business logic (i.e. uploading images of the completed work or invoices).
Full contractor management functionality:
- Onboarding process is enhanced with AI-driven underwriting ready for AML and KYC
- Fully automatic payments
- Bank statement scoring, automated configurable reports, and contracts generation
- Different business rules for each contractor
- Automated notifications management
- Advanced branch/sub-branch management
Investor Portal for Peer-to-Peer Lending
TurnKey Lender ULM for complete automation of the peer-to-peer crediting process.
Finance individual loans or tranches by configurable criteria
Analyze risk scores, make and receive payments, and calculate potential returns
Promote investment in tranches based on risk categories vs return
Enable multiple funding strategies for investors
Present in-depth reporting and analysis using the built-in dashboards
Unify All Web Products and Services with Simple API Integrations
- Build and configure new API’s without any coding
- Match message structure with source
- Full ETL (Extract, Transform, Load) capabilities
- A/B testing between workflows and portals
- GUI-based workflow tools
- API tools enable 10X faster integrations than traditional approaches
- Full sandbox environment
- All configuration is done through Turnkey Force tools
- No manual updating of the configuration files on a server
- Clear version control
- Built-in debugging tools
- Role and user access permission controls
Improve Your Time to Market by 3X
Turnkey Force Configurator
- Fully configurable data structure (loans, borrower details, entities, roles, hierarchy, etc.)
Integrations without coding
- Configurable message structure XML, JSON, BSON
- REST, SOAP, webhooks, message queues, etc.
- Native SQL, PSQL, DB2, Oracle connectors
- Built-in version control
- Drag-and-drop business strategy management powered by AI
- Language management
- Scorecard management
- Business rules management
Turnkey Force Flow Builder
Automate any business process exactly the way you need it with proprietary drag-and-drop Flow Builder.
- Application process
- Multi-level approval process integrated with external data sources
- Complex disbursements (strips, line of credit, draws, e-commerce, escrow, etc.)
- Complex repayments (escrow, insurance, taxes, LOC, NSF, late fees, etc.)
- Complex decision processes
- Nested strategies
- Infinitely configurable
- Easy to use but incredibly powerful
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What Customers Say
The TurnKey Lender team provided 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.