Core as a Service for credit operations
Modular credit core that enables originating, managing and collecting credits or credit lines across merchants, customers and individuals.
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CaaS: Core as a Service
LenndOS is the credit operating system your organization needs. A modular core that adapts to your business model, not the other way around.
Multi-tenant
A single core instance serves multiple clients with fully isolated data and independent configuration.
Per-product configuration
Define business rules, rates, terms and approval workflows for each credit product independently.
Horizontal scalability
Architecture designed to grow with your operation volume without degrading performance.
Transactional Core
The engine that processes every credit operation in real time. Designed for high availability and performance.
Rules engine
Dynamic rules system that evaluates each transaction in milliseconds according to your business policies.
Real-time processing
Every application, evaluation and disbursement is processed immediately with full traceability.
Native integration
Pre-built connectors with credit bureaus, payment processors, gateways and banks.
Event-driven
Event-based architecture that automatically reacts to state changes in each operation.
Cartera activa
$2.8B
Mora >30d
3.2%
Tasa aprobación
72%
Solicitudes
1,240
Aprobados
893
Desembolsados
$890M
Administration dashboard
Complete visibility of your credit operations from a single panel.
Complete credit lifecycle
From application to collection, LenndOS manages every stage of credit automatically.
Application
Digital applicant onboarding with configurable forms.
Evaluation
Customizable scoring engine and risk rules.
Approval
Approval workflows with levels and automation.
Disbursement
Fund distribution integrated with payment methods.
Management
Complete portfolio dashboard with real-time visibility.
Collection
Intelligent automated multi-channel collection workflows.
Credit core features
Credit origination
Evaluation and credit generation engine with configurable rules for each segment and product.
Risk assessment
Configurable scoring and credit evaluation models according to your institutional risk policy.
Portfolio management
Manage your credit portfolio with complete visibility of each operation's lifecycle.
Automated collection
Automate the collection process with intelligent multi-channel workflows: email, SMS, calls.
API-first
100% RESTful API architecture for integration with your existing systems.
White-label
Deploy the platform with your brand, colors and domain for your end customers.
Real-time reporting
Dashboards and reports on portfolio, delinquency, recovery and projections.
Regulatory compliance
Designed to meet financial sector regulatory requirements in Chile and Latin America.
Multi-segment
One system for all your credit products.
B2B
Business credit, factoring and supplier financing.
B2C
Consumer credit, personal loans and credit lines.
P2P
Person-to-person loans with automated evaluation and collection.
OnDemand
Instant credit at point of sale and digital platforms.
Savings & credit cooperatives
Complete credit cycle management for cooperatives looking to digitize. Clients like Libercoop and Coopeuch.
Lending fintechs
Credit infrastructure for startups and fintechs wanting to launch credit products without building tech from scratch.
Business financing
Platform for companies providing credit to their customers or suppliers with comprehensive management.
Microcredit
Solution for organizations granting microcredits with simplified risk assessment and automated collection.
See LenndOS in action
Request a personalized demo and discover how LenndOS can transform your credit operations.
Request demoDigitize your credit operations
Let's talk about how LenndOS can transform your credit business.
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