Lending your team can design, launch and change themselves.
A no-code, low-code Loan Origination System, with loan management and recovery, takes every loan from application to closure on one platform.
Three products cover the whole credit lifecycle. The Loan Origination System brings loans in, the Loan Management Solution services them, and the Loan Recovery Solution resolves the ones that fall overdue.
No-code where the business leads. Low-code where IT extends.
Most lending systems make every policy change a software project. The Novillex LOS puts that control in the hands of the people who own the policy.
For credit and operations teams
Build and change loan products on a visual designer, without writing code.
- Drag-and-drop application forms
- Eligibility and pricing rules in plain conditions
- Approval workflows and delegation limits
- Document checklists and letter templates
For technology teams
Extend the platform quickly when a requirement goes beyond configuration.
- Connect bureaus and data providers through APIs
- Add custom scoring logic and calculations
- Embed journeys in your own apps and partner sites
- Version, test and promote changes safely
Draw the process. The system runs it.
Pick building blocks from the palette, connect them in order and publish. The same designer handles a simple personal loan and a multi-stage business loan.
From application to disbursement in seven steps.
Every step is configured on the designer and tracked on one screen, so the borrower and the bank always know where the loan stands.
Apply
The borrower applies at a branch, in the field or online.
Verify
KYC and documents are checked automatically.
Assess
Eligibility rules and AI scoring run instantly.
Appraise
The credit officer reviews one complete file.
Approve
The case routes to the right authority.
Sanction
Terms are fixed and documents generated.
Disburse
Funds are released and the loan is booked.
The lifecycle continues on the same platform.
Origination hands the loan to servicing with all its data, and servicing hands overdue accounts to recovery with their full history.
Loan Origination System
Captures, assesses and approves applications on configurable journeys.
- Omnichannel lead capture
- Automated checks and scoring
- Multi-level approvals
Loan Management Solution
Services every account accurately each day until closure.
- Schedules, interest and charges
- Collections with a field app
- Restructuring and asset classification
Loan Recovery Solution
Manages overdue accounts through notice, legal action and settlement.
- Notices and follow-up tracking
- Legal case management
- Settlement and closure
Why banks choose a no-code, low-code LOS.
The gains show up in turnaround time, cost and control.
Launch products in days
Business teams configure a new loan product without a development cycle.
Shorter turnaround
Automated checks cut the time from application to decision.
Policy changes on demand
Update a rule or approval limit and publish it the same day.
Lower technology cost
Less custom code means less to build, test and maintain.
Consistent, auditable decisions
Every application follows the approved policy, with a full trail.
Healthier portfolio
Better assessment up front and earlier action on overdue accounts.
Connected product groups
Configure your first loan product in the demo.
Watch a policy change go live on the no-code designer in one session.