Platform & Infrastructure
Bank-standard infrastructure.
At a fraction of the cost.
Easylodge® runs on AWS-managed, Equinix SY5-housed infrastructure — the same standard used by Australia's largest financial institutions.
The easylodge® Credit Lifecycle Platform
Three functions. Three modules. One platform.
Loan Origination · Credit Decisioning · Loan Management. Take any one on its own and get started — or run the entire credit lifecycle on a single connected system.
CONSUMER · COMMERCIAL · AUTO · MORTGAGE · BNPL · REVOLVING · SME · BRIDGING
Loan Origination
From first enquiry to funded loan. Smart application wizard, distributor management, contract generation and funding — all in one workflow.
- Branded online & broker applications
- 4-minute full application — including ID, bank statements, AML/KYC
- Instant contract generation & eSignature
- EasyFund™ Funding Engine
Credit Decisioning
AI & machine learning credit engine. Serviceability, scorecarding, credit rules and risk-based pricing — decided in 30 seconds.
- 30-second automated credit decision
- Machine learning scorecards
- Serviceability & affordability
- Risk-based dynamic pricing
Loan Management
Full lifecycle from funding through to final payout — DDR, arrears, hardship, reporting and the borrower portal.
- 255,000+ loans currently under management
- Automated DDR & repayments
- Arrears, hardship & complaints (NCCP)
- Customer self-service portal
Wrapped in
Infrastructure · Distribution · Integrated partner apps · Reporting · Compliance
Infrastructure
AWS managed · Equinix SY5 · 99.99% uptime
Distribution
Direct · Broker · POS · Branch · White-label
28+ Partner apps
Credit · Identity · Payments · Open Banking
Reporting
60+ built-in reports · Securitisation-grade
Compliance
SOC 2 Type 2 & FCAA Compliant
Consumer · Commercial · Auto & Asset · Mortgages · BNPL · Revolving Credit · SME · Bridging
By the numbers
Scale you can trust
Distribution & access channels
Direct applicants
Apply Now links
Broker portals
Custom branded
Branch & dealership
In-person origination
Mobile & tablet
24×365 any device
Integrated partner apps
Open API framework
easylodge® Platform — the credit lifecycle engine
Originator™
Complete origination from enquiry to funding — distributor management, application wizard, credit decisioning and contract generation.
EasyRule™ Credit V5™
AI & machine learning credit engine. Serviceability, profile scorecarding, credit rules, risk-based pricing — embedded in every application.
Servicer™
Full lifecycle loan management — direct debits, repayments, arrears, hardship, complaints, portfolio reporting and final payout.
Infrastructure — AWS Managed / Equinix SY5 Data Centre, Alexandria NSW
Web & App Servers
- Nginx Frontend Balancers
- Nginx Backend Balancer
- API/Rails Web Servers
- Worker Servers
- Ruby on Rails platform
Database Layer
- PostgreSQL Managed Master
- Live replicated backup
- REDIS in-memory DB
- 256-bit DB encryption
- Instantaneous backup
Security
- Firewall / DDoS protection
- Dedicated Virtual Private Cloud
- 2-factor authentication
- Encrypted networking HTTP/3
- Isolated server environments
Equinix SY5
- Tier 3 data centre
- ASIO SCEC security
- Biometric access
- 24/7 onsite guards
- 3 global Tier-1 IP connections
Integrated partner applications (30+)
Credit & Identity
- Equifax Australia
- Equifax USA
- Creditsafe / TransUnion UK
- GBG Green ID
- Equifax IDMatrix
- Credas (UK)
- FrankieOne
Payments
- Zepto Payments
- GoCardless
- Ezidebit
- Westpac PayWay
- eWay / Global Payments
- .aba file generation
Open Banking
- Fiskil (AU)
- Credas (UK)
- Illion Bank Statements
- Westpac PayWay
- Microsoft Azure 2FA
- .Google / Twilio 2FA
Valuations
- Domain AVM
- JLL AVM
- Glass' Guide
- HM Land Registry UK
- ABR (AU)
- .Companies House UK
Services
- PleaseSign™
- DropboxSign™
- ConnexOne
- First Mortgage Services
- TUUM
- Open API framework
SOC 2 Type 2 Certified
Bank-standard security, processes and infrastructure independently audited
AWS Hosted
Enterprise infrastructure across global AWS data centres
Regulatory Compliant
Built for your regulatory environment (all platforms)
Updated Weekly
Platform automatically updates each login — no version upgrades, no extra cost
Product detail
What's inside each module
Loan origination, credit & distributor management
- 24×365 uptime — access from anywhere in the world
- Distributor management — custom portals, pricing & product access by channel
- Application wizard with dynamic, logic-based responses and auto-populated CRM data
- EasyRule™ V5 AI credit engine — serviceability, scorecarding, credit checks, risk pricing
- Instant contract creation — PDF, Word or electronic signature (under 2 seconds)
- Full verification workflow with colour-coded credit rules and priority items
- EasyFund™ disbursement — one-click loan funding and transfer to Servicer™
- Automated email/SMS status tracking to applicants and distributors
- BDM management — commissions tracking per distribution network
- EasyClient™ CRM built in — 30-second application re-submissions
Loan lifecycle & portfolio management
- One-click integration with Originator™ — no manual data re-entry
- All asset classes: consumer, commercial, mortgage, equipment, vehicles, solar, boats
- Unlimited portfolios across multiple asset classes — supports wholesale/P2P lenders
- Automated DDR — GoCardless, PayWay, Zepto, Ezidebit, .aba files
- Managed arrears — custom repayments calculated to clear arrears by set date
- Weighted arrears calculations for wholesale funding / warehouse requirements
- Hardship & complaints workflow — full NCCP compliant process management
- Customer portal — loan balances, statements, contact
- Fractional ownership / investors module
- 58 reports — activity, accounts, arrears, securitisation, investors
No PC in a corner operation.
14 production servers. AWS-managed. Bank-standard infrastructure at a fraction of the cost.
The easylodge® Credit Lifecycle
From first enquiry to final payout.
The complete credit lifecycle — 7 steps in Originator™, 9 steps in Servicer™. Every step managed, tracked and automated in one platform.
4 min
Complete application
30 sec
Credit decision
< 2 sec
Contract creation
24×365
Always available
Acquisition
Customer enquiry & acquisition
Applicants or distributors access the origination platform through multiple channels — all custom-branded to your requirements and tracked by source for performance analytics.
Direct applicants
Apply Now button linked to your branded application portal — pricing and products configurable by source
Distributor portal
Branded Originator™ terminal — distributors access CRM, saved applications, quoting tools and documents
Existing clients
EasyClient™ CRM auto-populates known data — 30-second application re-submission for returning borrowers
Application
Applicant completes application wizard
A smart, guided application wizard — not a dumb form. Logic-based, dynamic responses that adapt to inputs in real time. CRM data pre-populates wherever available.
Credit decision
Submit → instant credit decisioning via EasyRule™ V5
Upon submission, EasyRule™ V5 runs instantly — serviceability, credit rules, Equifax check, ID verification, bank statement analysis, risk-based pricing and profiling scorecards. All within 30 seconds.
Conditionally Approved
Instant contract pack — PDF download or electronic signature triggered automatically
Referred
Colour-coded priority items flagged for credit officer review. All other rules pre-cleared.
Declined
Auto-declined per credit policy — no staff resource required. Can be manually overridden.
Documentation
Instant document creation & electronic signature
Contracts, pre-approval letters and supporting documents are generated automatically as part of the decisioning process — no admin involvement required.
Credit review
Credit officer completes credit process
For referred applications, credit officers are presented with a structured, colour-coded credit assessment view — all information in one place, no switching between systems.
Verification
Supporting documents & compliance verification
Full verification workflow with electronic checklist — guides credit staff through every required action to verify and approve the loan application.
Funding
Funding via EasyFund™ → transfer to Servicer™
EasyFund™ completes the funding process in two steps — disbursement and automatic transfer to Servicer™, all within the one platform.
No data re-entry. Application, credit decision, documents and borrower details transfer to Servicer™ automatically. Zero duplication. Just one, easy to use and highly efficient platform.
260,000+
Loans managed
1 click
From Originator™
65
Built-in reports
Unlimited
Portfolios
Onboarding
Loan receipt from Originator™ — one click
When EasyFund™ fires in Originator™, the complete loan package transfers automatically to Servicer™ — all application data, credit decision, documents and borrower CRM details. Zero re-entry.
Setup
Loan & portfolio configuration
Each loan is configured within its nominated portfolio — repayment type, frequency, schedule, fees and product parameters set automatically from the origination data.
Payments
Automated direct debit & repayment processing
Direct debit files generated and submitted automatically — the loan runs without manual intervention for performing accounts.
Customer
Borrower self-service portal
Borrowers receive automated access to their own portal — reducing inbound service calls and giving borrowers transparent, 24×365 access to their loan information.
Arrears
Arrears detection & managed repayment
Arrears are surfaced automatically. Managed arrears repayments allow your team to set a custom repayment amount, calculate the weeks to clear arrears, then auto-revert to standard repayments.
Compliance
Hardship & complaints workflow
Complete hardship and complaints management with guided workflow — ensuring regulatory compliance while providing a consistent, documented process for every case.
Reporting
Portfolio reporting & management analytics
58 pre-built reports covering every aspect of the credit lifecycle — from individual account activity through to full securitisation-level portfolio reporting.
Activity Reports (8)
Transactions, changes, communications, notes activityAccounts Reports (14)
Portfolio overview, loan metrics, account statusArrears Monitoring (8)
Actual & weighted arrears, 30/60/90/120+ day bucketsSecuritisation Reports (7)
Warehouse facility standard — investor-ready reportingInvestors
Investor & fractional ownership management
Track and report on multiple investors across multiple loans — essential for wholesale funders and peer-to-peer lenders.
Completion
Loan payout — completing the credit lifecycle
EasyFund Payout calculates the exact payout figure on any given day — including pro rata interest and fees — then generates the payout statement and direct debit file to action it.
The credit lifecycle complete. From initial enquiry through origination, credit decisioning, funding, lifecycle management and final payout — all in one connected platform.
Ready to see the origination workflow live?
30 minutes. Real platform. No slides.