Small Business Lending Software

The Provenir Small Business Lending Software Platform is uniquely positioned to help improve the efficiency of your financial institution’s small business lending operations. It can reduce operational cost and complexity, improve customer service, and increase customer loyalty/retention.

The Provenir Small Business Lending Software Platform enables financial institutions to quickly configure small business lending solutions that provide complete end-to-end processing, from application to decision, acceptance to document preparation and booking – all on a single platform. The platform enables applications to be automatically decisioned in seconds. It allows business users to quickly and easily change cutoffs, risk ratings, pricing strategies, etc. and provides the flexibility to incorporate industry regulations into workflows.

The Provenir Platform enables your financial institution to overcome the key challenges faced by small business lending operations:

• Inability of branches to efficiently originate small business products through the bank’s Small Business Loan Center
• Eliminate manual processes and fully automate the entire small business lending process
• Easily configure changes to small business workflows and processes
• Ensure consistent treatment of customers across all channels/touch points
• Quickly implement new small business pricing strategies
• Effectively use data gathered during the small business origination process for cross-sell/up-sell of other products and services

Benefits of the Provenir Small Business Lending Software
The Provenir Platform uses open standards and a Service Oriented Architecture (SOA) to enable financial institutions to easily create composite applications that leverage common services such as a corporate scoring service or credit bureau service. The Platform provides a visual development environment for business and IT to quickly configure business rules, strategies and workflows, allowing faster implementation of business solutions.


Increase Small Business Productivity and Operational cost with

• Rapid configuration and implementation of changes to credit policies, pricing, underwriting parameters ,strategies and other criteria (e.g. cutoffs, risk ratings, and more)
• Reuse of policy rules, strategies, and scorecards throughout the customer lifecycle to ensure consistent treatment at all touch points
• Flexibility to incorporate industry regulations and trends in the workflow (such as BASEL II, Patriot Act requirements)
• Increased collaboration between Business and IT to quickly bring new products to market
• Utilization of granular credit bureau data in decisioning workflows and loan reviews
• Automatic aggregation of customer relationship data
• Creation and management of test cases for validation of rules, strategies, and workflows
• Lowered compliance costs by ensuring that all lending rules are consistently applied
• Integration of small business and consumer scorecards into the workflows
• Integration with other systems using messaging, web services and/or peer-to-peer communication
• Automatic creation and maintenance of documentation within the Provenir Platform and the ability to export to Word for external review
• Execution of the small business lending processes on any number of operating systems including Windows, Unix, Linux, z/OS and i5/OS allowing maximum flexibility in any institution’s operating environment

Improve Customer Service by

• Decreasing decision time to just seconds
• Instant access to credit, exposure, customer, collateral and other types of required information
• Accepting applications over multiple channels including the Internet
• Tailoring communication via emails, letters and call center scripts
• Providing bank personnel with instant access to the status of each deal and all appropriate information via a web browser

To receive more details on the Platform's benefits please email info@provenir.com.