Our Credit Engine is a comprehensive multi-lender and omni-channel distribution platform for secured and unsecured loans, powered by the additiv DFS®.

A single platform, making loans
easy for you and your clients
Support your client journey
Our solution supports the whole client journey from
Digital client onboarding
Instant scoring and valuation of collateral (for example real estate, securities)
Credit offers from multiple lenders based on their risk model
Servicing of the loan
Prospective secondary market
Integrated into core systems
Our Credit Engine solution seamlessly integrated into a core banking or loan management system. Deploy class-leading credit offerings – faster and more sustainably than anyone else.
The Credit Engine is suitable for
Banks
Insurance Companies
Other financial institutions
The core Credit Risk Engine
The Credit Engine enables to generate legally binding credit contracts in real-time by providing links to other ecosystem-providers.
Workflow based
Includes a workflow based back-office and CRM system.
Easily integrated
Even with existing credit environments via RESTful APIs.
Market friendly
Independent of any credit market development level.
Modules and high level features
Credit Risk Engine
The Credit Risk Engine allows the lender to set the overall risk framework as well as manage the risk appetite of the desired credit service offering.
Calculator
The Credit Calculator provides an easy and efficient way for eligible borrowers to receive an instant agreement in principle with an indicative credit offer.
Origination
The Origination module includes, in particular, customer onboarding, data and document capture, real-time verifications (e.g. credit scoring agencies, valuation), credit decision and contract creation with e-signature.

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or technology experts.