Lending automation with real impact on your loan portfolio
Originate handles every point of your loan origination, so you can lend, recover, and grow at the same time.
Meet a fully digital process built for how you work
AT-A-GLANCE LOAN PORTFOLIO VIEW
Instantly view a summary of your current loan portfolio with details of your active and current loans, as well as their worth; and make smart business decisions based on these numbers.
Multiple loan product offerings
Create as many loan products as your business has, and make them available to your customers with a custom flow for every loan product.
Application form builder
Create tailored loan product application forms with our drag and drop form builder. Customise your forms to fit the look and purpose you need.
Detailed individual application view
Get access to all the information you’ll ever need on a loan applicant — application details, bank information, approval history, and repayment details.
3rd party integrations
Directly access the financial and credit history of an applicant. Explore our integrations with mybankstatement, CRC, and First Central during the review process.
Automated credit decisioning
Use our native credit decisioning tool — Decide, to capture insights on eligibility from bank statements, and automatically pass or fail with scorecards.
Manual credit decisioning
With the loan approval workflow, you can manually review eligibility and do multi-level decisioning checks to approve or decline an applicant’s loan.
Automated disbursement
Once an applicant has passed the set loan rules, funds are instantly disbursed from your loaded Paystack wallet to the applicant’s bank account.
Card and bank account repayment
Activate collections multiple methods — charge an applicant’s debit/credit card through Paystack, or directly charge their bank account with Remita Direct Debit, and Paystack Direct Debit (coming soon).
Cash repayment
Reconcile collections done off-the-system where an applicant makes a direct transfer or provides a cheque to clear their debt.
Experience loan origination that gives you complete control
Customer management
Effortlessly manage your customers and their applications –– edit loan amount, set moratorium period, and blacklist risky customers.
Product customisation
Customise Originate to suit your lending needs. Set loan rules, create custom forms, customise the branding to your taste, and add integrations with Webhooks.
Team management
Manage your team and improve their turnaround time. Assign tasks, define roles, set their permissions, and track progress with reports, all from your Originate dashboard.
No Learning Curve
Enjoy a smooth transition from your current process to a digital one that fits just the way you and your team work.
Increased Customer Loyalty and Happiness
With simple application forms and a shorter application turn-around time, Originate ensures that your customers are always satisfied.
Dedicated Support Team
Experience timely support from our CS Team committed to helping you get optimal value, with tailored onboarding and fast resolution.
Lower NPLs with Portfolio Growth
Get equipped with everything you need to make smarter decisions, reduce defaults, and drive up application numbers.
A little brag
Our words count, and so does our track record
Delivering worthwhile lending experiences to these businesses & more
Feature-packed, evidence-backed; hear directly from our customers.
Start transforming your loan origination process with Originate
It’s everything you need to lend with confidence, improve your customer experience, and scale your business. Let’s get you started.
Got Questions?
Reach out to us
Here are answers to some frequently asked questions. For more answers regarding Originate, feel free to book a call with our experts.
Yes, Originate can be integrated with a mobile application. We provide APIs and necessary documentation to assist with the mobile app integration process.
Yes and yes. Originate is able to accommodate both an automated review process and a manual one depending on your business’ preference.
Yes, customers can upload documents during an application. There are 3 ways this can happen:
- If it is configured as a requirement on the loan product.
- You can request if from your customer after the application is completed with our “request supporting document” feature on Originate.
- Your customers can send it to you to upload it on their behalf.
Yes, BVN verification is a core part of Originate’s application process, and the verification is mandated before a customer can commence an application.
