Laurent Clerc, Chairman of the Executive Board Circeo is on a mission to reimagine lending in the digital era by easing the journey for both lenders and borrowers. It helps lenders navigate the increasingly complex regulations while meeting borrowers’ expectations for seamless digital experiences.
TheLoanFactory, Circeo’s proprietary cloud-native, end-to-end lending and leasing SaaS platform, is a game-changer in credit management. The ISO 27001-certified platform brings a modular architecture, no-code/low-code automation and built-in compliance features. It empowers banks and financial institutions to modernize lending and deliver quick, hassle-free loan approvals and disbursements to borrowers.
“We give lending institutions the tools to lend smarter and serve customers better, while staying compliant and future-ready,” says Laurent Clerc, chairman of the executive board.
Designed for scale and speed, the platform enables lenders to handle a wide spectrum of customer segments, distribution channels and products like personal loans, mortgages, SME financing or more complex ones like BNPL. From origination and customer onboarding to account management, servicing and collection, TheLoanFactory simplifies all aspects of loan lifecycle management.
Battle-tested across markets, it is the first-ever digital lending platform that delivers multi-channel flexibility by unifying loan management across all channels. Lenders can manage each distribution channel without duplicating infrastructure or forfeiting control. For instance, an application started online can be completed at a dealership. Customers receive pre-approvals on mobile. This convenience is in line with borrowers’ expectations for seamless lending experiences, whether through branches, mobile apps, dealerships or online platforms.
TheLoanFactory's unmatched configurability distinguishes it. Its microservices-enabled architecture enables lending institutions to swiftly build, integrate and scale any fintech ecosystem. They can deploy custom workflows across front-office, middle-office and back-office operations—all without writing a single line of code.
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We give lending institutions the tools to lend smarter and serve customers better, while staying compliant and future-ready
Built for agility and control, TheLoanFactory makes lending proactive rather than reactive by giving lenders access to live data streams. Incorporating real-time income and spending data from credit bureaus, open banking APIs and country-specific financial resources help lenders segment borrower risk and gauge creditworthiness more accurately. They are also able to tailor borrower journeys for higher conversion.
That level of responsiveness reduces the time-to-cash for borrowers. Automated ingestion and analysis of live data streams shorten loan approval timelines. For instance, one lender drastically reduced its auto loan approval time at dealerships from 48 hours to 10 minutes.
Underlying this performance is Circeo’s uncompromising approach to compliance and security. The platform’s regulatory resilience helps lending institutions stay ahead of evolving frameworks like GDPR and DORA. Lenders can enforce strict governance with built-in ICT controls, audit trails and role-based access. As the platform is natively compliant, lenders can enter new markets quickly with local support for data residency and consent management.
TheLoanFactory’s standout features and capabilities are shaped by the lived realities of lenders across markets, geographies and regulatory environments and have the imprint of Circeo’s banking and fintech experts.
Designed to match today’s pace and complexity, the platform removes all bottlenecks of legacy lending systems. A defining instance is when a Tier-1 European bank with multiple loan products, each having distinct underwriting logic and compliance workflows stored in fragmented legacy systems, faced surging loan demand. The legacy system further hindered adapting to new regulatory requirements. System silos resulted in slow 72-hour approval times, and manual processes led to high operational costs, all contributing to customer discontent.
TheLoanFactory enabled the bank to consolidate its lending stack on the cloud. Circeo’s team helped digitize and unify workflows across channels and integrate with real-time data sources, while automating compliance management. The results were transformative: operational costs fell by 30 percent and approval times dropped to under 15 minutes, significantly boosting customer satisfaction.
Aiming to be the most trusted partner for the future of credit, Circeo is making credit distribution smarter for lenders and more inclusive for borrowers. TheLoanFactory embodies its vision of a scalable and compliant lending experience that is faster and more human across all touchpoints.
