Loan origination software that works for you.

Next generation modular loan origination software. Build on proven components instead of reinventing them. Connect data, automate decisions, and scale with secure, compliant infrastructure.

100k+CustomersProcessed

99.9%ServiceUptime

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Originate

Ready-made origination system.

A ready-made origination system for your business. Start with one of our templates, or build your own with components.

Modular design

Workflows

Integrations

Fuse

A single source for all your data needs.

Aggregate data from multiple sources, resolve customer identities across platforms, and ship reliable integrations that stay stable through upstream changes.

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Logic

Visual Decision Engine for complex business logic.

Design, test, and deploy decision logic with a visual node-based editor. From simple rules to complex decision trees — without writing code.

Visual graph editor

Drag-and-drop nodes to compose powerful decision graphs.

<10ms

Average execution
latency

∞

Unlimited
environments

Decision Tables

Define business rules in spreadsheet-like tables with multiple hit policies — first match, collect all, or priority-based.

REST API

Execute decisions via a simple API call. Pass input facts and receive results with trace data and performance metrics.

Canary deployments

Split traffic between versions by percentage. Gradually roll out changes with zero downtime.

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The All-in-One Advantage. When used in unison, our products provide a more powerful and seamless experience.

Originate

BNK.

€100,000

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Originate starts the process.

Our comprehensive loan origination system handles CRM, workflows, and case management. Users begin by selecting their loan amount and entering basic information like their SSN to initiate the application process.

Fuse

BNK.

Fetching data...

Fuse gathers data.

Users are seamlessly redirected to our data gathering system, where Fuse securely collects and verifies financial information needed to complete the loan application process.

Originate

BNK.

Great! Here's what we found.

Income

672 000 NOK

Mortgages

3 040 000 NOK

Car loans

203 400 NOK

Originate closes the deal.

With all data verified, users return to Originate to review and finalize their application. The integrated workflow ensures a smooth handoff and successful loan completion.

Case Study

Ikano Bank Streamlines Credit Checks with Neobits API

How Ikano Bank eliminated friction in their loan application process and improved customer experience with the Neobits API.

Ikano Bank's Norwegian branch faced inefficiencies in its loan application process. Christian Gagnum, the bank's Head of Retail Partners & Direct to Consumer, explained the specific issues: "Previously, we had challenges with customers uploading incorrect documentation and eventually dropping off during the loan application process". This friction created operational hurdles and negatively impacted the potential customers experience.

To address these challenges, Ikano Bank integrated the API provided by Norwegian fintech company Neobits. Neobits CEO, Fredrik Zeiner-Gundersen, highlights the API's purpose: "Our goal is to empower financial institutions with goal is to empower financial institutions with seamless access to verified, real-time data. By connecting disparate public data sources through a single API, we enable our clients to make faster, more accurate decisions and automate critical processes". This API fetches, verifies, and structures customer information, allowing Ikano Bank to automate its credit check processes more effectively.

Let Us Take Charge of Your Loan Origination

You’re not alone in navigating our system. Our dedicated specialists are here to assist you every step of the way, ensuring a seamless setup of our products tailored to your needs, or help you build your own with our powerful components.

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