NATIVE CREDIT ENGINE SPECIFICATIONS
Modular Product Capabilities Designed for Speed
Configure loan amortization schedules, custom risk parameters, fee structures, and multi-currency terms across six core lending domains.
Engine Capabilities Matrix
| Engine Type | Origination Model | Interest Formula | Amortization Schedule | Settlement Methods |
|---|---|---|---|---|
| Commercial Term Loan | Direct / Broker Origination | Fixed / Floating (EURIBOR + Margin) | Annuity, Linear, Bullet / Custom | Bank Transfer, SEPA Sweep |
| B2B Buy Now Pay Later | API / Embedded Merchant Checkout | 0% Promo or Merchant-Subsidized Fee | Bi-weekly, 30/60/90 Day Splits | Credit Card, Instant Open Banking |
| Revolving Credit Facility | Dynamic Drawdown & Pre-Approval | Daily Balance Accrual | Interest-Only + Principal Paydown | Virtual Account Sweeps |
| Invoice Factoring Advance | Receivables Ingestion & Verification | Factor Fee + Discount Rate | Single Bullet on Debtor Payment | Direct Clearing, Escrow Netting |
| Equipment & Asset Lease | Asset Registration & Collateral Bind | Lease Rate Factor + Residual Value | Fixed Monthly Installments | Direct Debit, Standing Order |
| Institutional Deposits | Treasury / Vault Direct Placement | Tiered Rate (Compound / Simple) | End of Term / Monthly Interest Pay | Real-time RTGS, SEPA Instant |
Configurable Day-Count Conventions
Native financial engineering support for 30E/360, Actual/360, Actual/365, and Actual/Actual conventions ensuring compliance with international banking standards.
Multi-Tier Fee Matrices
Define upfront arrangement fees, commitment fees on undrawn lines, late payment surcharges, and early prepayment penalty formulas with zero code changes.
Multi-Currency Support
Originate and service in EUR, USD, GBP, CHF, and Scandinavian currencies. Built-in FX conversion hooks and multi-currency general ledger balance consolidation.