Aurius DF | Sopra Banking Software

Aurius DF

The only solution specifically designed to meet the needs of the property
development finance market.

Based on our Aurius platform, Aurius DF meets the need of the development finance lenders by providing market-specific functionality.

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  • Flexible

    Provide the flexibility required to manage property and development finance deals

  • Innovative

    Quickly respond to market change with new products

  • Proven

    Tried and tested accounting, payments and transaction handling

  • Scalable

    A cloud service designed to grow with your business

Over 15% of all UK development finance is managed on Aurius*

Aurius DF’s modeling, monitoring, and control facilities result in a reduction of risk and increased transparency for organizations lending large sums to property developers

*based on 2017 data

  • Flexible loan schedule modelling

    Loan schedules can be modelled during underwriting, modified in-life and can include events such as multiple advances, ad-hoc repayments, fees and payment holidays. In-life regular repayments, where required, are automatically calculated around these events.

  • Limit management

    Facility limits and advance limits may be tracked in-life with advances contributing to individual tranche limits for purposes such as site purchase, construction and S106 agreements.

  • Relationship management

    Relationship management is not restricted to just borrowers, but also incorporates guarantors, brokers and professionals such as solicitors, monitoring surveyors and valuers.

  • Notes and Diary Management

    Notes and diary items may be recorded against loans, borrowers, brokers and securities. Diary items may be set to recur for regular review or post dated or future action.

  • Guarantee & security monitoring

    Guarantor and security values are monitored and include a constantly moving LTV throughout the loan’s lifetime. A comprehensive security and collateral module allows the details of individual plots and units within a development to contribute to the development value.

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Aurius DF helps lenders provide their customers with a consistent, efficient and transparent experience both during acquisition/underwriting and once the project is up and running.

Improved customer experience

A facility limit, advance limit and individual loan tranches for purposes such as site purchase, construction and S106 agreements are all tracked individually. As the loan balance changes according to its schedule, it is constantly tracked against the current value of the security to produce an accurate real-time LTV.

Detailed loan monitoring

Aurius DF is deployed through Sopra Banking Software’s managed cloud infrastructure, bringing enhanced scalability and reliability to the platform and removing the operational burden from the organization. The SaaS model enables a low cost of entry and provides for organization growth.

SaaS delivery in the cloud

Workflow management provides lenders with the ability to reduce their operational risk by providing consistent processes, which are able to be monitored and audited.

Manage operational risk

  • For specialist banks

  • For your clients

  • For specialist lenders

  • For your investors

Aurius provides specialist banks with a modern, innovative platform on which to grow. Aurius is already enabling many specialist banks to offer retail and SME deposit taking features such as low-touch onboarding, automated workflow, and customer communications. These features allow banks to fund and focus on their core differentiator, niche lending. Aurius’ lending module features configurable product definition and workflow engines which are used to implement flexible lending products and robust underwriting processes.

    Aurius provides web based, mobile responsive on-boarding and in-life portals which make sign-up and servicing journeys straightforward. These, coupled with a comprehensive API for integration to other origination providers and call centre features for clients who prefer a more personal touch, enable specialist banks to provide a modern, responsive and personal service to their clients and focus on their core priorities.

      Aurius’ flexible lending module allows specialist banks to target their specific lending markets (for example Development Finance, Bridging, VAT Finance, SME Finance and Renewables Finance) with ease and react quickly to changes in those markets. A comprehensive loan schedule module allows bespoke loans to be created with a variety of multiple drawdowns, ad hoc repayments, repayment type changes, fees and payment holidays – all of which affect a regular repayment calculation.

        Aurius provides a lender’s management and investors with the information they need to understand the performance and manage risk within the business. Through automation, workflow, robust transaction management, and flexible MI & BI stakeholders can have confidence in the financial and operational stability of their organisation.