TurnKey Lender Loan Origination System (LOS) is a comprehensive, AI-powered platform designed to automate and streamline the entire loan lifecycle for consumer and commercial finance providers. This highly configurable and scalable software solution helps lenders grow their base of high-quality borrowers while significantly cutting operational costs, reducing processing hours, and mitigating credit risk. At its core, TurnKey Lender LOS features a proprietary, award-winning AI-driven Decision Engine that enables instant and confident credit decisioning by applying machine learning and deep neural networks to process borrower information and loan application data accurately in seconds. This engine integrates with Credit Bureau checks, ID verification, bank account verification, bank statement scoring, and over 200 built-in fraud detection rules and blacklists. The platform offers a fully configurable online application flow, allowing for custom application processes, dictionaries, and loan offers. It provides an intuitive digital borrower portal for a seamless user experience and a robust back-office interface for employees to simplify lending management. Beyond origination, TurnKey Lender efficiently manages every part of the loan's lifecycle, including underwriting, servicing, and debt collection, serving as a single end-to-end solution that replaces the need for multiple disparate tools. It delivers advanced analytics and management capabilities, offering detailed insights into debt structures, levels, and debtor history. The web-based system is adaptable to specific technical specifications, featuring configurable auditing and employee tracking. Lenders benefit from customizable workflows, real-time data insights, and seamless integrations with third-party systems and data providers, leading to an operational efficiency boost of over 280% reported by clients. TurnKey Lender is trusted by clients in over 50 countries, providing a complete and result-oriented lending technology.

Features & Benefits

• Instant AI-Powered Credit Decisioning
  • Leverages TurnKey Lender’s proprietary, award-winning Decision Engine, built with machine learning and deep neural networks, to automate credit scoring and make confident loan decisions.
  • Unmatched accuracy in 30 seconds
  • Integrates Credit Bureau checks, ID/bank account verification, bank statement scoring
  • Includes 200+ built-in fraud detection rules and blacklists
• Configurable Online Application & Portals
  • Provides a fully configurable loan application process for custom flows, dictionaries, and loan offers, alongside an intuitive digital borrower portal and a robust back-office for employees.
• End-to-End Loan Lifecycle Automation
  • Manages the entire loan lifecycle from origination to collections within a single platform, replacing the need for multiple tools.
  • Loan Management
  • Underwriting
  • Credit Risk Management
  • Debt Collection
  • Consumer Lending
  • Commercial Lending
  • Peer-to-Peer Lending
• Advanced Analytics & Reporting
  • Offers enhanced reporting and analytics for detailed insights into debt structures, levels, and debtor history.
• Operational Efficiency & Cost Reduction
  • Automates over 90% of loan origination processes, enabling loan auto-processing in less than 1 second and significantly reducing operational costs and human error.
  • Clients report over 280% operational efficiency boost
  • Improves loan decision accuracy and speed