Open A3.MFO

Loans against pledged property

A pledged item is described by its own type, receives an appraisal with history and is linked to the contract. Encumbrance and its release are recorded as events.

Secured lending

What is included

  • Real estate, vehicles, equipment and jewellery
  • Appraisal history with date, appraiser and reason for revaluation
  • Loan to value computed on the current appraisal
  • Foreclosure and tax reporting on disposal

Result

Collateral value never diverges from the books, and foreclosure follows a fixed procedure.

Modules in this scenario

Collateral

Real estate, vehicles, jewellery and equipment with appraisals and encumbrances.

Product builder

PDL (payday), instalment, credit line, POS, business and collateral products in one builder.

Tax reporting

Tax forms per jurisdiction and withholding tax at the source of payment.

How implementation runs

The order is the same for every scenario. Only the scope of the second and third steps differs.

  1. 01

    Process walkthrough

    We review products, mandatory checks, disbursement channels and existing integrations.

  2. 02

    Environment setup

    Organization, data region, reference data, products, roles and document templates.

  3. 03

    Provider connection

    Bureaus, compliance, acquiring, messaging and accounting under your own contracts and keys.

  4. 04

    Pilot operation

    Part of the flow runs through the platform, results are reconciled, then the rest is migrated.

All scenarios

Your scenario is different?

It almost always is. Tell us about your products and mandatory checks, and we will work out what configuration covers and what needs development.

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