Digital Lending
The powerful Digital Lending Platform
… that helps you close loans 10x faster with a fully digital customer journey!
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
Discover how to streamline your lending processes
... with Virtus Flow Digital Lending platform!
Power your team with powerful tool
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Ticket Management
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Resources
We provide all of the tools and resources to help you get started quickly and without any headaches.
A great place to get the latest news and stay informed on everything that may be relevant to your business.
Learn how to automate business processes with practical tips and step by step guidance videos.