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.
Identity fields and supporting documents are collected with the application for a named staff member to review. Automated HKID extraction, liveness and iAM Smart confirmation are roadmap items, not current features.
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.
A printable agreement is generated from the recorded borrower and loan data, and its download is recorded in the audit trail. Editable templates and online signing are not available today.
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.
One borrower record, one audit trail. These capabilities are part of the same platform and apply to this product line as well.
Court judgments, company and directorship records, insolvency, regulatory enforcement, adverse media and sanctions — recorded against the borrower with the reason each result was cleared. Criminal records are not searchable by a third party in Hong Kong, and the platform does not claim otherwise.
Valuation, loan-to-value, charge registration, priority, redemption and discharge are first-class objects on the platform, so a secured product line runs on the same borrower record as an unsecured one.
Connect the credit reference systems and data providers your licence and consents allow, and work with that data alongside your own borrower records. Covenant Desk does not operate a credit database or issue consumer credit reports.
Other lines: CD Debt Consolidation · CD Guarantor Loans · CD Business Lending · CD Property Mortgage · CD Bridging Finance.
Plans are split by how many lending companies you run. Portal software and implementation are custom quoted; AI, bots and other add-ons keep their separate published prices. Configuration for this product line is completed during implementation.
Single company
Cross-company
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.
