Runs on the platform today
The loan is the easy part. Proving the old balances are gone is the work.
A consolidation loan is not one transaction. It is a new facility, a set of payoffs to other institutions, and a paper trail showing each prior balance was actually settled — with a borrower who is, by definition, already stretched.
CD Debt Consolidation is Covenant Desk Lending configured for payoff: creditor records on the application, settlement evidence attached to the loan, and a borrower view that shows what was cleared. 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 finds the borrower, and the page shows the whole picture: the new facility, every prior balance it was meant to discharge, the settlement evidence for each, and what the borrower now owes in one place.
Each stage below runs on the Covenant Desk platform. The result and the evidence behind it stay attached to the borrower and the loan.
Existing facilities are captured on the application as structured records: institution, balance, monthly commitment. That list is what the affordability assessment is actually about.
Condition 15 requires assessment of repayment ability without the borrower having to borrow to meet repayments. A consolidation file is exactly where that question bites, and the working stays on the record.
The approved terms and the payoff schedule are recorded together, so what was sanctioned and what it was meant to discharge cannot drift apart.
Payoff confirmations and settlement letters file against the loan they discharged, not into a shared folder. A year later, the answer to what was cleared is on the record.
The consolidated schedule runs like any other, with FPS references, reminders and an arrears queue. The borrower sees one balance instead of five.
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.
Bring your own book to the demo and we will work through it against these questions rather than a slide.
預約示範No. It records the payoff schedule, holds the settlement evidence against the loan and shows the borrower what was discharged. Money moves through your own account, as it does everywhere else in the platform.
The data model is the same. What differs is that prior creditor balances are first-class records on the application, and settlement evidence is attached to the loan afterwards. Both are configuration on the existing platform.
It is more consequential, which is why the working is kept. Condition 15 asks whether repayments can be met without further borrowing — on a consolidation file that is the whole question, and the assessment and its inputs stay on the record.
