Runs on the platform today
Tax season is a volume problem, not a credit problem.
A tax loan book is decided in weeks and repaid over twelve months. The work is not judgement on any one file — it is getting several hundred near-identical applications through identity, affordability and disbursement without the queue collapsing.
CD Tax Loans is Covenant Desk Lending configured for the season: one product template, a fixed term, a rate card, and an intake queue built to absorb a burst. This runs on Covenant Desk Lending today. It is the same borrower record and the same audit trail, configured with different products, rules and documents — a setup task rather than a build.
One search box finds a tax-loan applicant by HKID, name, phone or reference, across every company you run. Open them and the whole season is on one page: this year's application, last year's loan, the documents, the payments and who touched what.
Each stage below runs on the Covenant Desk platform. The result and the evidence behind it stay attached to the borrower and the loan.
Web form, WhatsApp and email intake all land in one queue. Returning borrowers from last season are matched to the record they already have, so a repeat applicant is not re-keyed.
HKID capture with a liveness check and iAM Smart confirmation run as part of the application. Poor images and mismatches go to a named reviewer; everything else moves on.
Condition 15 applies to unsecured personal lending, so income and expenditure, the repayment profile and the outcome are assessed and kept on the file. The system assembles it; your staff decide.
Your own agreement merges the borrower and loan fields, is signed electronically and files back against the loan with a timestamped audit record.
Schedules, lender-specific FPS references and reminders operate from the borrower record. Overdue and upcoming sit in one queue ordered by what needs attention.
AI Copilot answers plain-language questions about your own portfolio with links back to the underlying records. AI Credit Analyst summarises a file and cites where each figure came from. Document processing reads what the borrower sent into fields your staff confirm, and email and WhatsApp intake turn enquiries into structured leads.
None of it approves anything. Every output is decision support attributed to the staff member who accepted it, and no loan is approved without a named person signing off. That boundary is the same on this product as on every other.
Start from as little as HK$2,000/month. Extra staff seats are HK$1,000 one-time each; monthly pricing scales by lending companies and loan records at checkout. Configuration for this product line is done during implementation.
Starter
Growth
Federation
Bring your own book to the demo and we will work through it against these questions rather than a slide.
Book a demoNo. It is the same platform with a tax-loan product template, rate card and agreement configured on it. If you already run CD Personal Lending, adding a tax-loan season is configuration rather than a new system.
The queue is designed for it: one template rather than per-file configuration, identity checks that only escalate exceptions, and agreements generated rather than drafted. What it cannot do is decide faster than your own approval authority allows.
Yes. Licensing Condition 15 applies to the granting of unsecured personal loans, and a tax loan is one. Income and expenditure, the repayment assessment and the outcome are recorded on the file with the evidence behind them.
