Loan management and loan origination software for UK lenders
Bank-standard infrastructure.A fraction of the cost.
Credit decisioning, loan origination and loan servicing in one platform, built for UK specialist, non-bank and fintech lenders. This is Lending. Reimagined.™
- 1.8M+
- Applications processed
- 260,000+
- Loans under management
- 19 years
- In the market since 2007
- 140+
- Current clients
- 5
- Markets worldwide
The world’s only 4-minute application
Including ID, bank statements & credit decision
30-second credit decisioning
AI-powered EasyRule™ V5 engine
SOC 2 Type 2 certified
Bank-standard security
UK office in London
Level 4, 45 Fitzroy Street, W1T
In short
What is Easylodge?
Easylodge is loan management and loan origination software for lenders. One cloud platform takes a loan from application, ID and credit checks and an automated credit decision through to funding, Direct Debit collection, arrears, forbearance, complaints and redemption. UK lenders use Originator™ for loan origination, EasyRule™ Credit V5 for credit decisioning and Servicer™ for loan servicing, together or on their own.
- In the market since 2007, built by lenders
- 1.8 million+ applications processed
- 260,000+ loans under management
- SOC 2 Type 2 certified, hosted on AWS
- Unlimited users, no per-seat pricing
- UK office in Fitzrovia, London
The Platform
One platform. The entire credit lifecycle.
Originator™
Loan origination software that takes broker, introducer and direct applications through ID, credit and affordability checks to approval, documents and funding.
Servicer™
Loan servicing and loan management from funding through Direct Debits, arrears, forbearance, complaints, portfolio reporting and redemption.
EasyRule™ Credit V5™
Credit decisioning engine with machine learning. Affordability, scorecards, policy rules and risk-based pricing, decided in around 30 seconds and fully explainable.
All modules integrate seamlessly. Use Originator™ only, Servicer™ only, or the complete end-to-end platform.
See the platform in action
Two minutes. The whole picture.
Originator™
Loan Origination: watch the platform
See the 4-minute application, 30-second credit decision and instant loan documents in a live demonstration.
Servicer™
Loan Management: watch the platform
See how Servicer™ manages portfolios, Direct Debits, arrears and reporting across 260,000+ loans.
Originator™
Application to funded in
under 4 minutes
A complete finance application, including quote, valuation, ID and biometric check, income, expenditure, assets and liabilities, submitted in under 4 minutes. Credit decisioned and documents issued in around 30 seconds. Available 24 hours a day.
- Smart application wizards that respond dynamically to inputs
- 30-second credit decision via EasyRule™ V5 AI engine
- Instant loan agreements: PDF or electronic signature
- Broker, introducer, dealer and direct portals, all configurable
- AML, KYC, PEP and sanctions checks embedded in the workflow
Servicer™
Manage all your loans
in one platform
Once funded, the loan moves to Servicer™ in one click. Direct Debit collection, repayment schedules, arrears, forbearance and complaints workflows run without manual intervention, with a full audit trail for Consumer Duty.
- One-click integration with Originator™, no manual data entry
- All asset classes: consumer, commercial, mortgage, equipment, vehicles
- Automated Bacs Direct Debits
- Securitisation-grade portfolio reporting (60+ reports)
- Forbearance, vulnerability and complaints workflows
Solutions by sector
Every lender. Every asset class.
Bridging & Development Finance
Regulated and unregulated bridging, refurbishment and development loans. Security, LTV, exit strategy and drawdowns tracked in one case record.
Specialist Mortgages
Second charge, buy-to-let and specialist residential mortgages, with broker packaging, affordability and conditions managed in one workflow.
Motor Finance & Hire Purchase
Hire purchase, PCP, conditional sale and personal loans for vehicles, with dealer portals and instant decisions at the point of sale.
Asset & Equipment Finance
Business equipment, finance lease and operating lease across commercial asset classes, for SMEs and corporates.
Non-bank & Fintech Lenders
Launch new credit products quickly without the cost of legacy enterprise platforms. Open API, unlimited users, configurable rules.
Consumer Credit & Revolving
Personal loans, lines of credit and Buy Now Pay Later, with affordability, Consumer Duty evidence and arrears handled in the platform.
Why easylodge
The Easylodge® Advantage
4 min
Full loan application
Including quote, ID, bank statements & affordability
30 sec
Credit decision
AI-powered EasyRule™ V5 with machine learning
260K+
Loans Under Management
Full loan management capabilities across all finance types
£650K
R&D in FY2025
All at no additional cost to our clients
30+
Integrated partner apps
Credit, identity, company data, payments & more
Integrations
Pre-integrated with UK credit, ID and payments
- TransUnion UK (via Creditsafe)
- Credas ID & biometrics
- Companies House
- HM Land Registry
- GoCardless Direct Debit
- DropboxSign™
- FrankieOne KYC & AML
- JLL valuations
- ConnexOne contact centre
- Coral Finance
- Tuum core banking
- Twilio
- BulkSMS
- Microsoft Azure 2FA
- Global Payments cards
- AWS
- Open API framework
FAQ
Loan management software: common questions
What is loan management software?
What is loan management software?
Loan management software runs a loan after it is approved: setting up the account, collecting repayments by Direct Debit, calculating interest and fees, managing arrears, forbearance and complaints, and reporting on the portfolio to management and funders. Easylodge also covers the steps before funding (loan origination and credit decisioning), so one system holds the whole loan lifecycle.
What is the difference between a loan management system and a loan origination system?
What is the difference between a loan management system and a loan origination system?
A loan origination system handles everything up to funding: applications, ID and credit checks, affordability, underwriting, approval, documents and e-signature. A loan management system (also called loan servicing software) handles everything after funding. Easylodge Originator™ and Servicer™ do each job and share one database, so nothing is re-keyed when a loan completes.
Which UK lenders use Easylodge?
Which UK lenders use Easylodge?
Specialist and non-bank lenders, including bridging and development finance, second charge and specialist mortgages, motor finance and hire purchase, asset and equipment finance, consumer credit, SME and commercial lending, and fintechs launching new credit products.
Can Easylodge replace our CRM, spreadsheets and separate servicing system?
Can Easylodge replace our CRM, spreadsheets and separate servicing system?
Yes. Originator™ includes a built-in CRM and broker portals, EasyRule™ runs your credit policy, and Servicer™ runs the book after funding. You can move everything at once, or start with one module and keep an existing system alongside it while you migrate.
How quickly can a UK lender go live?
How quickly can a UK lender go live?
Standard configurations go live in weeks, not the multi-year projects typical of legacy lending systems. Timing depends on the number of products, integrations and any loan book being migrated, which we scope with you on the first call.
Is Easylodge secure enough for an FCA-regulated lender?
Is Easylodge secure enough for an FCA-regulated lender?
Easylodge holds SOC 2 Type 2 certification, runs on managed Amazon Web Services infrastructure with encryption and two-factor authentication, and records every action with a full audit trail. That supports your outsourcing due diligence and your Consumer Duty evidence.
See the platform live in 30 minutes
Book a demo with our UK team. We show you the live platform. No slides, no pitch deck.