Description de Turnkey Lender
TurnKey Lender est un leader mondial des solutions et services ULM (Unified Lending Management). L'entreprise fournit un système de bout en bout qui automatise chaque étape du processus de prêt, de la demande de prêt à l'évaluation de l'emprunteur, en passant par l'octroi, la souscription, la gestion, le recouvrement, le reporting, la conformité, etc.
Le système est alimenté par des réseaux neuronaux profonds propriétaires et des algorithmes de machine learning qui permettent une précision inégalée quant aux décisions de crédit et de sécurité globale.
Qui utilise Turnkey Lender ?
Logiciel idéal pour : les prêteurs en ligne ; prêts sur salaire/avance de fonds ; institutions de microfinance, coopératives de crédit ; banques de petite et moyenne taille ; prêts click-and-click pour les PME.
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Great product - excellent support!
Commentaires : We used Turnkey Lender to stand up a loan origination system for veterinary services in short order. The product has the vast majority of the functionality right out of the box, was easily integrated with a credit agency to pull FICO scores and the support team did an outstanding job making our requested customizations.
Solid COTS product and very customer oriented support team.
While they do offer a SAAS model, pricing seems to be slanted toward outright licensing of the product. This might be something to refine.
Alternatives envisagées :
Improved Workflows and Decreased Manual Processes
Commentaires : Prior to using Turnkey Lender, we managed our loan program through Google Forms and spreadsheets. Our processes were quite manual and our growing business needs could not catch up with this. We needed a way to automate some workflows, consolidate all data into one system, and have a one-stop-shop where we can manage the program effectively. Turnkey Lender has proved to be a good solution to that problem. As with other software and products, our initial launch did not come without any issues but the Turnkey team was quick to help out and provide timely resolution. After two months of using the platform, I must say that things are quite easier now for me and my team, and using Turnkey Lender was a welcome update from having to do things manually.
Turnkey Lender allowed us to improve our processes and workflows after having to manage our loan program manually for months. They were able to capture all the basic things and features we needed to get some automation started, and we are able to request further customization as needed. It was easy to use and, if we needed assistance, support was immediately available. Our project manager was also very helpful and we have continued to have a good relationship.
The price for automation and organization is not cheap. And this holds true for Turnkey Lender. Their existing platform already offers a wide range of functionality, but further improvements to the product may come at a steeper price. Additionally, the platform can sometimes be a bit slow which can affect one's productivity and efficiency. Getting any custom changes in the application form out of the system via standard reporting requires additional development.
I do not recommend
Commentaires : The worst system/platform I have ever worked with. Even if we stated everything in the original documents, they still managed to take 1,5 years to get things starting, and when they started it all went down every day. All things have two sides, but in this matter, I will blame everything over on Turnkey. They have cost us so much money and we have had problems from day one. Nothing has worked, we have found bugs every day for 1,5 years even if they tell us they have fixed it. I know they will reply that "this is due to client functions and xx xx xx" (as they do for all that complaints) but I am willing to document it all, for those who are interested. I respect some of the workers there, but I will never ever again have something to with them again. The management completely ignores you when you complain, they point the fingers on you and they say it´s your fault, no matter how often you document that, it´s not our fault. For companies that needs a stable broker/application/fintech service, stay away from them and their solution. I do not recommend them.
There was NO pros with this software at all
Slow system, not flexible, server crashed, no understanding
Full functionality for affordable price
Commentaires : Overall experience was unbelievable. We went from initial contact to contract in less than 10 days and from signed contract to going live in a production ready environment in 2 weeks. Fastest launch I have ever experienced with any software. We had minimal workarounds and happy customers immediately. They had the same focus on customer experience as we did, allowing us to work together and deliver a product that we could begin making money as fast as possible. Amazing work by both sides.
Overall value proposition. One system from POS, Origination, Funding, and Servicing. Great implementation team, customer service fast and friendly.
Some desired modifications were not easy and require customization.
Alternatives envisagées :
Time saving automation
Commentaires : Overall the functionality has been a big positive. The initial set up fees were a bit steep but the ongoing rate is comparable.
I like the automation, it saves a lot of time moving the loan from origination to servicing and prepopulating the necessary documents. I also like that it has a customer portal where customers can see their balance, update payment methods, and upload documents to us, like proof of insurance. There are a lot of automated emails that help customers stay on top of getting us the required documents, which saves time.
Some of the set up was awkward. In one area it would have you use one code and then on the help page it would be a different code for the same item. The help team set up some of my codes because I didn't know which one I was supposed to be using.