Digitize your lending front-to-back

SFP Credit & Risk is a ground-breaking solution for asset finance lenders, enabling them to move to the forefront of the industry.

Covering the entire dealer commercial lending process, it provides an exceptional experience for both customers and employees, delivering digitization, innovation, lowering operating costs, reducing operational risk and enabling agile operations.

Designed for the industry, by the industry

Part of the rich Sopra Financing Platform ecosystem, SFP Credit & Risk supports lenders’ onboarding, portfolio and risk management activities, giving unparalleled insight and control.

  • Self-service customer onboarding, with online forms for fast and accurate data capture.
  • Digital KYC and background checks for regulatory compliance.
  • Faster credit decisions with integrated real-time open banking and credit bureau data.
  • System driven document generation and e-signature capability to enable fast and paperless contracting.
  • One-click account go-live with SFP Wholesale, even for complex dealer groups.
  • Real-time risk management combining digital and physical audit data with other trigger data.
  • 100% digital

    Eliminate inefficient and wasteful paper forms, contracts and reports with fully-digitilized processes.

  • Enhanced CX

    Customized web portals make it easy for customer to supply required documentation and satisfy KYC requirements.

  • Faster onboarding

    Open banking and credit scoring speed credit decisioning whilst digital contracts and e-signatures make for rapid go-live.

  • No more silos

    Digital processes and internal workflows make it easy for colleagues to collaborate and see the big picture.

  • Real-time insights

    Monitor portfolio risk in real-time with automated alerts to ensure that risk events are acted upon.

  • Seamless integration

    Pre-built API-based integrations with our partners, plus SFP Wholesale, SFP Digital Audit, and much more.

Transform your lending

Book a call with one of our experts to learn how SFP Credit & Risk can take your lending to the next level.

Run the lending operations of the future

  • Open Banking

    Integrations with multiple open banking vendors enable speedy credit decisioning plus ongoing risk assessment.

  • Onboarding Portal

    A high-quality, customizable web interface enables customers to submit data and perform onboarding tasks with ease.

  • Digital Documents

    System-generated digital letters and agreements save time and effort, throughout the contract lifecycle.

  • Smart Credit Decisioning

    Feed open banking and even PDF-based financial data to smart analysis tools enabling faster, more accurate decisions.

  • SFP Wholesale Integration

    Push new customers live with just one click then use portfolio, payment and other data to monitor risks.

  • Reliable Partner Ecosystem

    A comprehensive portfolio of solutions and partners ensures turnkey solutions can be rapidly delivered.

Customer Onboarding & Renewals

Digitize your customer onboarding process, improving customer experience whilst dramatically reducing costs and time to go live.

  • Seamlessly onboard customers with a highly configurable web portal, capturing customer data and performing KYC checks digitally.
  • Speed up contracting with document generation and e-signing solutions from vendors such as Conga, DocuSign, OneSpan and Adobe.
  • Use open banking to connect customer financial data to advanced analysis tools, enabling faster and more accurate credit decisioning.
  • Fully-configurable credit decision templates and workflows including integration with credit bureau to retrieve real-time credit data.
  • Load to SFP Wholesale in one click – with no rekeying required for even the most complex dealer groups!

Real-time risk management

A single live view for credit and risk portfolios using real-time data and 360-degree audit enabling a speedy response to risk events.

  • View real-time audit data from digital and physical audit providers including SFP Digital Audit and VAS Audit Services.
  • Set-up sophisticated workflows to trigger follow-up based on your customer risk profiles and internal risk policies.
  • Benefit from real-time portfolio risk tracking with configurable weighting of risk factors enabling rapid changes in risk management.
  • Enable dynamic risk profiling using data from sources such as SFP Wholesale, open banking, credit bureau and more via an open API.
  • Surface insights around customer behavior across risk areas (financial health, audit compliance, payment timings) in one place with discrete dashboards.
  • Quickly manage and resolve exceptions and risk breaches via dedicated screens and workflows, meaning nothing is missed.

Embedded solutions

Open banking integration

Using open banking, Plaid enables your customers to provide you with access to their bank accounts with minimum effort in order to retrieve transaction data for use in credit decisioning. On average it takes users 11.5 seconds to open the module, find their bank and input their username and passwords to connect their accounts.

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Data entry automation

Using machine learning and AI, Digilytics’ unique technology enables financial data to be extracted from scanned documents such as bank statements and tax returns, then delivered to downstream systems such as credit decisioning in a variety of digital formats, including open banking to enable further processing.

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Analysis of bank transaction data

AccountScore, an Equifax company, provides actionable insights and analytics from bank transaction data, providing credit analysts with an up-to-date and accurate picture of a company’s activity, enabling them to better understand applicant’s businesses and make better decisions.

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KYC solutions for onboarding

IDnow enables lenders to digitally verify the identity of prospective customers throughout the world quickly and efficiently, improving customer experience whilst meeting the highest KYC and AML regulatory requirements whilst leaving behind time-consuming and wasteful manual processes.

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Transform credit decisions with AI

Flowcast enables better credit decisioning by using its patented machine learning algorithms to create high-performing predictive models which reduce risk and unlock credit to businesses by predicting the ability of a business to repay its loans, the likelihood of dilution, and the risk of delinquency.

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Identify new customer credit risk

One of the three major US bureau, Equifax’s credit reporting is already built into SFP Credit & Risk, enabling your team to go beyond the traditional credit file and gain deeper insights into payment transactions, financial behaviors, employment information and more to make more informed credit decisions and mitigate risk.

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Credit decisioning made simple

Estimate’s models deliver accurate credit risk scoring based on customer transaction data shared via open banking in a fully digital process that can be easily integrated with legacy systems and existing policies, returning data including PD score, maximum credit limit and cashflow overview to support decision making.

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