Quotes this week184
Files in review37
Valuations due9
CreditSphere brings product design, pricing, customer quotes, borrower files, credit assessment and property valuation together in one secure platform. It is built for banks, lenders and broker networks in Belgium and across Europe.
Designed around the rules you work under
From the first price a prospect asks for to the final credit decision, every step happens in one place, with one shared view of the customer.
Design loan products with their own repayment plans, and check their profitability.
Give prospects a clear, numbered quote with a full repayment plan.
Build a complete borrower file with identity, income and screening checks.
See affordability and risk ratios side by side before you decide.
Record the property, approve its valuation and check it qualifies.
Every decision is stored with the facts and rules it was based on.
Your product team shapes each product around real customer needs: payment holidays, construction periods, interest-only phases, a final lump sum. Before a product goes live, CreditSphere tests how profitable it is under changing market conditions and tells you which set-up works best.
| What if… | Customer rate | Profit |
|---|---|---|
| Funding 0.50% cheaper, rate kept | 4.05% | 1.10% |
| Funding 0.50% cheaper, passed on | 3.55% | 0.60% |
| No change | 4.05% | 0.60% |
| Funding 0.50% dearer, passed on | 4.55% | 0.60% |
| Half the margin given as discount | 3.75% | 0.30% |
| Funding 0.50% dearer, rate kept | 4.05% | 0.10% |
Your product team sets up loan products with their terms, rate structure, costs and discounts. Rate cards can change over time without losing what applied before. When an adviser prepares a quote, the rate advisor compares every product the customer qualifies for and proposes the best one.
Borrowers, co-borrowers and guarantors each have one file, shared by everyone who works on the application. It holds their identity documents, income, existing debts, consents and due-diligence checks. For businesses it also covers the people who really own the company, links to related companies and filed annual accounts.
Upload an identity card, payslip, invoice, contractor's quote or set of annual accounts. CreditSphere reads the document and fills in the key details for you. Your team reviews and confirms them before anything is used, so automation speeds up the work without replacing judgement.
CreditSphere calculates the ratios your credit analysts rely on and shows them against your own limits. Each assessment is saved as a permanent, sealed record of the information and rules used at that moment. Months or years later you can check it again and show that it gives the same result, which is exactly what auditors and supervisors ask for.
Record each property, attach its valuation and send it for approval. The person who submits a valuation can never approve it. CreditSphere checks whether the property qualifies as security under the rules of its country and keeps track of when each valuation needs to be renewed.
Set up your direct, broker and online channels and the branches and broker offices that sell through them. Onboarding a broker network is quick: CreditSphere can bring in the whole network straight from the official FSMA register, so your records match what the regulator holds.
Every client gets a private CreditSphere environment of its own. Your data is kept completely separate from every other organisation, and the platform carries your logo, colours, web address, language and currency. Start with a 14-day trial and a practice environment, then choose the package that fits your volume and grow from there.
Lending is one of the most closely supervised activities in Europe. CreditSphere was designed so your compliance, risk and data protection teams can answer the hard questions with evidence.
Decisions are stored with the exact facts and rules behind them, so you can show how and why they were made.
Legal limits and business policies carry the date they take effect and the law they come from. Updating them does not require new software.
Products, prices, valuations and documents get a new version when they change. Yesterday's decision can still be explained with yesterday's rules.
Valuations and process changes need a second person to approve them. Going against a negative assessment needs a written reason and senior sign-off.
When personal data must be erased, it becomes unreadable everywhere, including in backups. The audit trail stays intact because it never held personal details.
Who did what, and when, is recorded across the platform, alongside detailed user roles for each team.
CreditSphere draws on official registers and trusted data providers, so your teams spend less time copying information and more time on customers.
Your own systems can connect too. CreditSphere sends instant notifications when something important happens, so they always stay up to date.
Bring mortgage and consumer lending onto one modern platform with full evidence behind every decision.
Quote fast, show the correct annual rate and keep a complete file for every customer.
Handle property valuations, four-eyes approval and eligibility checks with ease.
Onboard your network from the FSMA register and give every office the same quality of service.
Your teams work in a clean, easy web workspace, in light or dark mode. A companion app for iPhone and iPad keeps key information close at hand, with the same secure sign-in.
We keep building alongside our clients. These are among the next steps on our roadmap.
Book a personal demonstration with the NeoCredit Solutions team. We will show you how CreditSphere fits your products, your channels and your compliance needs.
Prefer email? Write to info@neocreditsolutions.com