Both. We start from a working platform and build it to your institution: your products, approval process, documents, reports and integrations.
Asia · Custom lending software
Custom lending software, built around your process and integrated with your systems
Loan origination, servicing, repayments and screening, built for your institution and connected to the systems your IT team already runs.
In brief
Custom lending software without starting from zero
Custom lending software is built to your products, approval authorities, documents and reports, rather than asking your team to work the way a packaged product does. The risk with a ground-up build is time and cost: a lending system has to get interest, schedules, repayments and audit right before it does anything distinctive.
Covenant Desk builds from a platform that already includes applications, credit assessment, approvals, a core banking engine for lending, repayments, arrears, a borrower app, an AI banking agent and AML screening. We build and extend it for your institution, integrate them with your core banking or ledger, accounting, identity, bureau and payment systems, and work with your IT team on the integration and the rollout.
Asia
What a custom lending build has to get right
- 01
Your process, not a template
Products, approval limits, committees, documents and reports follow how your institution lends.
- 02
Integration with what you run
Core banking or ledger, accounting, identity, credit bureau and payment systems, through their APIs or file exchanges.
- 03
Money calculations you can test
Interest methods, schedules, fees and settlement amounts checked against worked examples before go-live.
- 04
An audit trail from day one
Every action recorded, sensitive data masked, access by role.
- 05
A rollout your IT team signs off
Integration specification, test plan, data migration and cut-over agreed with your IT and security teams.
- 06
No lock-in
Full data export at any time, and documentation of what was configured.
Covenant Desk
What we build from
All of this is available, built to your operation and delivered as part of the implementation.
- 01
A working platform
Applications, credit assessment, approvals, a core banking engine for lending, repayments, arrears, a borrower app, an AI banking agent and AML screening. Your build starts from these, not from a blank page.
- 02
Built around your process
Your products, approval limits, documents, templates and reports are built for your institution, in the order your team needs them.
- 03
Integrated with your systems
We connect to your core banking or ledger, accounting, identity, bureau and payment systems through their APIs or file exchanges, and write the integration specification with your IT team.
- 04
Your data stays yours
Data export in full at any time, and hosting arranged with your IT and security teams.
- 05
Tested before go-live
Your staff test each workflow on your own cases before it carries real loans.
- 06
Automated spreading and monitoring
Financial-statement spreading from extracted documents and continuous early-warning monitoring are part of the build for your institution.
Evaluation
Before you commission custom lending software
- 01
Ask what already exists
Which parts come with the platform and which are built to your operation.
- 02
Ask for the integration plan
Which of your systems are connected, by which method, and who maintains each connection.
- 03
Test the calculations
Bring three of your own loans and check the schedule and settlement amounts.
- 04
Ask who owns the code and data
Licensing, source access, hosting and exit terms in writing.
- 05
Ask about the timeline per workflow
Start with one workflow live, then add the next.
- 06
Ask who supports it
Support hours, incident handling and how changes are requested and released.
FAQ
Questions banks and lenders ask
Yes, through your core's APIs or file exchanges. We write the integration specification with your IT team and test it on your data before go-live.
The platform runs in English and Traditional Chinese with HKD and FPS, and other currencies, payment rails, rules and languages are built into your deployment and tested by your team first.
Yes. Staff screens and the borrower app already show your company name; your branding and domain are built into your deployment.
Related
More for banks and lenders in Asia
- Loan origination system for banks and lenders in Asia
- Loan management system for banks and lenders in Asia
- The AI lending system for banks across Asia
- An AI lending system that runs beside the core banking system you already have
- Deployment, data residency and AI governance, answered before your vendor review asks
- AI lending agents for banks, by role, with credit officers approving every decision
- AI lending system across Asia
- Loan origination system, Hong Kong
- Loan management system, Hong Kong
See it on one of your own loans.
We set up a personalised demo around your own products and workflows, then your team tries it before you decide.
Book a personalised demo