Digital Lending

The powerful Digital Lending Platform

… that helps you close loans 10x faster with a fully digital customer journey!

BOOK DEMO

A must have solution

… for Financial Institutions looking to meet and exceed their clients’ borrowing needs !

Loan origination

Streamline your loan process from start to finish

Provide customers with a seamless online application process that allows them to:

Access, fill and submit loan applications in minutes
Receive confirmation and funds in seconds
Have full visibility over the process

digital loan management

Provide team members with a powerful tool that helps them to:

Close loans 10x faster
Have 360º visibility on requests and clients
Get rid of cumbersome manual tasks
Simplify reporting

Digital Lending

Customer centric banking and digital lending at the speed they need

ADD YOUR INFORMATION
choose your loan
verify identity
Receive funds
ADD YOUR INFORMATION

Seamless Digital Onboarding

Gather all data and documents in minutes
Make instant verifications for accurate applications
Provide fully digital self-guided applications for each of your loan products
Convert more customers with automatic reminders

choose your loan

Transparent loans & fees

Provide access to loan and fee information in seconds
Automate your loan resolution
Remove friction an provide customers with the ability to choose the terms that better suit them in real time

verify identity

Simplified applications and speedy verifications

Instant identity and credit verification through third party credit bureau integration
Grant pre-approval in minutes
Single interface with a superior user experience

Receive funds

Instant account funding

Online closing in seconds
Certified digital signatures that allow customers to close deals remotely
Connect to customer’s bank and fund account in seconds

Accelerate your lending processes

… with unparalleled customer experience.

real no-code automation

An intelligent automation platform

Designed to simplify lending processes for banks and credit unions with end to end automation and without writing a single line of code.

No-Code fully customizable lending automation
Intuitive workflow modeler and powerful workflow automation (BPM)
Contract automation embedded
End to end integration with credit bureau and API
AI Ready – build and connect your AI Agents to simplify decisioning and scoring

Digital Lending

Fully streamlined digital loans and flexible platform

Personalize your customer journey applying rules and conditions in seconds. Create digital forms in minutes, integrate with digital signature platforms and other third party apps in no time thanks to our state of the art data wrapper.

Personal Loans

Create workflows for each of your personal loans

Credit Cards

Make automatic decisions based on applicant’s info.

Mortgage

Instantly notify applicant based on his credit report

Refinance

Add logic to make automatic decisions on applications

Car Loans

Calculate rates automatically based on applicant’s history

Leasing

Automatically generate contracts and add eSignatures

What Virtus Flow Lending offers

PRE SALES

Pre validation process
Customer engagement

SALES

Application & Acquisition
ID verification & Video selfie
Risk profile & Scoring
Dynamic pricing
Contract finalization

after SALES

Automatic notifications
Risk monitoring
Operational management

Connect and sync

Easily integrate with the apps you love

Advanced KYC
eIDAS & AGID
Third Party Apps
Compliance & Security
Advanced KYC

Already integrated to powerful Experian™ apps:

ID Verification
Detect
FraudNet
Threat Mark
AIdrian

Integrated with Government systems like MEF Scipafi and AGID Authentication

eIDAS & AGID

Get ready with eIDAS 2.0 leveraging Virtus Flow capabilities and advanced Customer Identification.

Agid CIE and SPID Connectors available

Third Party Apps

Out-of-the-box Enterprise Connectors like Salesforce, SAP, EntraID, Office 365 Suite, Google Platform, external database, RabbitMQ, Redis, SOAP and REST APIs CSV, TXT files and many others.

Compliance & Security

We work with the latest technologies and security best practices to give you peace of mind when we talk about sensitive and PII data. Our platform follows ISO/IEC 27001, 27017, 27018 requirements.

HTTPS, SSL/TLS 1.3, OAuth, mTLS. Manage user’s roles & privileges to keep your data secure and use our built-in audit trail.

Testimonials

What customers say about us

“VF is a powerful digital process automation platform that is remarkable for its speed of implementation, thanks to the total absence of code, and the flexibility of integration with other systems via Web API”.
Massimo Tecchia
Senior Manager, EY
“Before Virtus Flow the bank was using a mix of different tools, spreadsheets and repetitive tasks. We can now design and deploy new processes in days saving tons of hours and reducing our compliance complexity”.
David Bartolini
COO, Banca Cambiano
“We are happy to partner with Virtus Flow. We were one of the first bank in Italy to digitize processes in few hours during the pandemic and now we are rolling out a full set of new tools to our users and customers in weeks.”
Massimo Foschi
COO, Riviera Banca