Solutions
ACP COMMERCIAL LOANS
Innovative and future-proof commercial digital lending
Commercial lenders grapple with multifaceted challenges, including manual processes, outdated systems, regulatory complexities, evolving market dynamics, and heightened competition.
ACP Commercial Loan solutions tackle these hurdles by harnessing AI-driven automation, streamlining credit processes, fostering efficiency in lending operations, and empowering lenders to stay ahead in the competitive landscape.
Seamless automation for every type of commercial loan
Business overdraft
Facility
Equipment loan
Commercial construction
Line of credit
Term loans
Empowering lenders with a cutting-edge commercial loan origination software
An innovative solution for efficient commercial loans automation
Ensure a digital onboarding and a prompt credit initiation
- AI-powered borrower onboarding and Credit Application (ID recognition etc.)
- Automated onboarding and follow-up processes
- Omnichannel financing journey across all channels and devices
- Digital signature capabilities
- Point-of-Sale financing integrated options
Unified scoring platform for accurate and automatic decision-making
- Seamless integration with real-time data from both external and internal sources.
- Enhanced credit decision accuracy by incorporating new data sources specific to commercial lending such as adverse media.
- Customizable scoring templates based on qualitative and quantitative factors such as industry trends, reputation, cash flow, and LTV ratio.
- Integration options for internal rating scales or bespoke scoring models designed for commercial loans.
- Adherence to GDPR, local regulations, and institutional policies for compliance in commercial lending operations.
- Automated delegation of authority aligned with the institution’s commercial loans policy.
- Risk-based pricing projections and calculations tailored to the unique aspects of commercial loans.
- Comprehensive tracking and monitoring of collateral, covenants, and internal risk triggers for commercial loan portfolios
- Analysis of cash flows, peer comparisons, and detailed commercial credit analysis documentation.
Data analytics for loan monitoring, servicing, and cross-selling recommendaitons
- Enhanced real-time monitoring of commercial lending activities ensures proactive risk management and informed decision-making.
- Efficient historical data storage facilitates comprehensive analysis and trend identification for continuous improvement.
- Advanced capabilities for slicing and dicing credit data enable in-depth analysis and actionable insights tailored to specific needs.
- Dynamic dashboards and customizable reporting tools empower users to visualize data effectively and extract key information effortlessly.
- Comprehensive financial reports, including cash flow analysis and peer comparisons, provide valuable insights for strategic decision-making.
- Streamlined automation of loan servicing events enhances operational efficiency and reduces manual workload for smoother loan management
- AI-powered Early Warning Signals (EWS) leverage predictive analytics to forecast delinquency risks, enabling proactive risk mitigation strategies.
- Instant alerts and notifications on assigned tasks ensure timely action and efficient task management for improved operational agility.
ACP Commercial Loans software is trusted by
Maisarah Islamic Banking Services
“Lifting Maisarah Corporate & SME Credit to the latest technology stack with the innovative ACP features started delivering benefits in terms of business performance and efficiency. Our trust in axefinance’s continuous support and its innovative solutions is why we have chosen them to extend the automation to the Retail Financing unit. Our partnership with Axe Finance is a big asset towards our challenge of being the best Islamic bank in the region.”
Commercial lending
FAQs
What is Commercial Lending?
It is providing loans to small and medium-sized businesses for their operational and growth needs. Examples of commercial lending loan types include term loans, lines of credit, equipment financing, commercial real estate loans, accounts receivable financing, and SBA loans.
What are the benefits of digitalizing the Commercial loans?
Digitalizing commercial loans improves efficiency, accuracy, accessibility, risk management, customer experience, cost savings, and compliance. Driving the commecial loan business growth.
