Solutions
ACP Multi-Entity Lending
Empowering global banking with multi-entity capabilities
Global banks managing multiple entities face fragmented credit processes across different countries, policies, languages, and currencies. Inconsistent credit standards, redundant approvals, and compliance misalignment slow decision-making and increase credit risk.
ACP Multi-entity Lending streamlines operations by standardizing processes across subsidiaries, branches, and business units—while adapting to local market needs. It enhances efficiency, ensures regulatory compliance, and enables faster, smarter lending decisions at a scale. Additionally, it improves HQ-level monitoring, providing better oversight and risk control across all lending entities
1/ Centralized and decentralized entity management
2/ Multi-currency and multi-language support
3/ AI-powered automation for credit processing
4/ Real-time, entity-specific credit decisioning
5/ Cross-entity compliance and data security
6/ Hybrid and multi-cloud deployment
7/ Role-based access control with global vs. local admin profiles
8/ Real-time consolidated reporting and analytics
9/ AI-based multi-entity risk monitoring
Experience next-level digital lending with ACP's Multi-Entity capabilities
Achieve operational efficiency and elevate customer experience with ACP Multi-Entity Lending
Seamless multi-entity digital onboarding and unified credit workflows
- AI-enhanced onboarding & KYC with automated data synchronization: simplifies and standardizes borrower onboarding across entities, ensuring accurate and real-time data across branches and subsidiaries.
- Unified credit application processing & workflow orchestration: adapts intelligently to entity-specific requirements, with centralized processing, document handling, and credit disbursement optimization.
- Integrated multi-entity relationship & compliance management: enables cross-selling, centralized credit monitoring, and uniform compliance across jurisdictions.
- Cross-entity reference data standardization: ensures consistency and reliability in credit evaluation across jurisdictions.
- Unified financial template management: streamlines document collection and analysis across all entities.
Comprehensive multi-entity credit risk management with AI-powered insights
- Entity-specific risk modeling with unified credit scoring: customizes assessments for each entity while ensuring consistent scoring across the group
- Integrated, real-time risk data processing: combines internal/external sources and automates data extraction for complete and timely risk profiles.
- Predictive analytics and anomaly detection: enhances forecasting accuracy and flags irregularities in counterparty structures and exposures.
- Support for cross-entity counterparty structure management: enables full visibility over group-level exposures.
Proactive multi-entity portfolio monitoring with automated early warning systems
- Automated early warning systems and risk tracking: detects and flags risks across portfolios in real time using AI, pattern recognition, and NLP.
- Advanced delinquency alerts & collections optimization: streamlines risk mitigation and collection processes while maintaining regulatory compliance.
- Data-driven portfolio and performance analytics: delivers actionable insights and trend forecasting across multi-entity portfolios.
- Global search capabilities: enables users to search across clients, portfolios, and documents.
Multi-entity credit servicing and repayment management
- Centralized repayment tracking & interest management: manages schedules and calculations consistently across subsidiaries.
- Flexible loan restructuring: supports multi-entity clients by offering tailored products.
- Unified repayment visibility across counterparty structures: enables holistic tracking of repayments.
- Cross-entity collaboration tools & communication: enables unified borrower communication and internal chat functionality across entities to speed up credit operations.
Post-credit performance analytics and reporting
- Multi-entity performance tracking: provides insights on credit performance across business units.
- AI-powered loan portfolio forecasting: predicts future trends based on multi-entity data.
- Regulatory and internal reporting: automates reporting across jurisdictions to ensure compliance
- Standard ACP Dashboard Setup
- Cross-entity reporting capability
Axe Credit Portal is trusted by
Societe Generale Group
“Société Générale Group is growing business very rapidly and successfully in around 20 African countries.
To support its development and fully catch the continent’s growth potential, we were looking for a cutting-edge credit granting tool, adjusting to multibank setup and allowing for digital, reliable and fast processing.
We are very confident that Axe Finance's technology will significantly contribute to making our clients’ experience even more unique.”
ACP Multi-Entity Lending
FAQs
Why is multi-entity lending important for banks and lending institutions?
As banks expand across regions, subsidiaries, and business units, managing credit processes uniformly becomes more complex. Multi-entity lending enables institutions to centralize oversight while respecting local regulations, customer needs, and operational nuances—ensuring consistency, efficiency, and compliance across the board.
How does ACP support credit risk management across multiple entities?
ACP leverages AI and integrated data sources to offer comprehensive multi-entity credit risk management. It features entity-specific scoring models, cross-entity risk assessments, automated data extraction, and real-time credit decisioning. With tools like predictive analytics, early warning systems, and anomaly detection, banks gain a 360° view of group-level exposures and can proactively manage portfolio risk across jurisdictions.
Can ACP Multi-Entity Lending be customized for specific markets or workflows?
Absolutely. ACP offers a zero-code configuration tool (Axe Studio), allowing institutions to tailor workflows, rules, user interfaces, and documents to meet specific market and regulatory needs—without relying on IT resources. Its support for centralized and decentralized governance, combined with scalable cloud deployment and multi-language/multi-currency functionality, ensures flexibility across diverse regions and business models.
