CreditX Intelli by SB Solutions
CreditX Intelli is the loan management system behind lending at banks, finance companies and microfinance institutions across Nepal. It runs on your own servers and connects to your core banking system.
Trusted by banks and financial institutions across Nepal.
The platform
The branch, the credit department, approvers and the CAD team usually pass a loan between them on paper. In CreditX Intelli they all work on the same file, and every step is recorded.
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Customers apply online or at a branch. Their details and supporting documents go into a single loan file that everyone downstream works from.
Risk is scored against the rules your institution sets, and credit officers prepare the appraisal on screen instead of on paper. CICL, blacklist and other checks can be connected.
The file moves through the approval levels you configure for each product. Every approver sees the same application, appraisal and comments, and each decision is tracked.
Offer letters and legal documents are filled in from the approved loan using your own templates, so the CAD team isn’t retyping figures.
Approved loans can be disbursed automatically and tracked through repayment. Branches and head office report from the same data.
Through our systems so far
$5B+
in loans processed for Nepal’s banks and financial institutions.
Paper files. Repeated data entry. Approvals waiting on someone’s desk. Loans in Nepal were slow for reasons that had nothing to do with credit. We built CreditX Intelli to take those reasons away.
One flagship system, and focused products for particular kinds of lending.
For banks and finance companies
The complete loan management system.
Risk assessment, paperless appraisal, approval workflows, document generation, customer records, direct applications, automatic disbursement, servicing and reporting. Installed on your servers and connected to your core banking system.
Microfinance institutions
Faster underwriting, generated offer letters and legal documents, automated disbursement and risk-based customer grouping.
Ask about CreditX MicroInstant micro-credit
Decides on small loans instantly from hundreds of data points, with rules and risk weights refined as repayment data comes in.
Ask about Insta LoanFamilies of migrant workers
Loans for beneficiaries in Nepal of people working abroad, with applications on the web, by SMS or from a mobile app.
Ask about Remit LoanDocuments and internal approvals
Keep loan documents, workflows and tracking in one place, and move internal memos and approvals off paper.
Ask about DMS and MMS
Global IME Bank launched Fast Loan on 27 September 2024. We built the platform with the bank: customers apply online for share, auto, home and other retail loans, and checks against the blacklist, CICL records, transaction history and existing loans run automatically.
Commercial banks, development banks, finance companies and microfinance institutions run on our systems.
Nepal Bank LimitedCreditX IntelliGlobal IME BankFast Loan digital lendingNabil BankCredit administration (CAD)Kumari BankCredit administration (CAD)Everest BankCredit-X lending automation
Shine Resunga Development BankLoan automation and CAD
Excel Development BankCredit-X lending automation
ICFC FinanceCredit-X loan automation
NMB MicrofinanceCredit-X lending automation
Infinity LaghubittaCredit-X lending automationAlso working with Nepal SBI Bank, Progressive Finance, Guheswori Merchant Banking & Finance, Narayani Development Bank, Nepal Development Bank, Global IME Laghubitta, Sanima Capital, National Life Insurance, Reliable Nepal Life Insurance and uab bank (Myanmar).
Company
SB Solutions is a team of more than 35 people building lending software for Nepal’s banks, finance companies and microfinance institutions. Alongside CreditX Intelli we build systems for microfinance, instant micro-credit, loans for migrant workers’ families, memos and documents.
For mobile and web banking, assisted channels and API integrations, our lending systems work with the mBank platform.
Visit mBankTell us what you lend and how it works today. We’ll arrange a walkthrough with our team. Or email info@sbsolutionsnepal.com.
On your institution’s own servers. After testing, we deploy the application there and your authorised users work on it.
Our systems are built to connect to core banking. We look at your CBS, data and workflows during the requirements stage and plan the integration from there.
Usually CreditX Micro, which is designed for microfinance underwriting, documents and disbursement. Insta Loan can sit alongside it for instant small loans.
Our own focus is lending. For mobile and web banking channels, our systems work with the mBank platform.