What we build
An origination chain where every link holds — from intake to disbursement.
Each capability is a production component — not a proof-of-concept — wired into your stack, documented for your risk committee, and monitored continuously.
Multi-channel intake
Web, mobile, branch, agent-assisted, partner API — all into one application queue with consistent tracking.
Document OCR + extraction
ID cards, passports, payslips, bank statements, tax assessments, business registration — with confidence scoring and analyst-review fallback.
Automated affordability + decisioning
Ensemble scoring wired to your policy engine — DSR, LTV, stability, and fraud all in one decision.
Dynamic contract generation
Templates populated with decisioning outputs, pricing, schedules, and jurisdiction-specific clauses — all generated server-side for legal consistency.
E-sign orchestration
Adobe Sign, DocuSign, Dropbox Sign, HelloSign integrations — multi-signatory routing with reminder cadence and audit-trail capture.
Core-banking disbursement + audit
Real-time disbursement to your core (Temenos, Mambu, Finastra, Thought Machine), plus the full audit record your ops + regulator need.
Products we originate
One flow, every lending motion.
Same intake, OCR, decisioning, contract, e-sign, and disbursement infrastructure — tuned per product line. Shared core, per-product templates, per-product policy. Every product listed below runs on the same origination chain; only the document set, decisioning weights, and disbursement channel change.
SME working-capital
Term loans, revolving facilities, invoice financing — multi-director sign-off, business-registration verification, cash-flow-based affordability.
Consumer unsecured
Personal loans, debt consolidation, green financing — MyInfo-powered intake, bureau-based decisioning, same-day disbursement.
Mortgages
Home loans from application through valuation to disbursement — digital where possible, manual where required, all tracked in one flow.
Auto finance
Dealer-channel origination, collateral OCR, residual-value modelling — point-of-sale integrations for new/used vehicle financing.
BNPL checkout
Sub-2-second decisioning at merchant checkout, tokenised user intake, real-time limit decisioning.
Corporate credit line
Multi-director authorisation, facility-level agreements, corporate-KYB integration, treasury-integrated disbursement.
Model families we deploy
Models for each stage — so the whole chain learns.
Each model family covers a distinct job in the origination chain — document, decision, pricing, disbursement. Each is monitored, versioned, and retrainable on its own cadence.
Data extraction from 150+ document types, with tamper detection, confidence scoring, and fallback to analyst review when confidence dips.
Same ensemble stack as our lender-risk-assessment service — tuned per product line.
Base rate + risk premium + segment adjustment + promotional overlay — computed per decision, versioned, fully auditable.
Core-banking routing, disbursement-channel selection (PayNow, FAST, SWIFT, ACH), and reconciliation with application records.
Data sources wired into every flow
Every system the origination chain touches — integrated.
Pulled in parallel, normalised into a single application schema, versioned alongside the model that consumes them.
Traceable, top to bottom
Every application has a record. Every record is regulator-ready.
Every document upload, OCR extraction, decisioning output, contract version, signatory action, and disbursement event — indexed against a single application ID, archived for audit, and exportable in formats your regulator expects.
- Per-application audit index (ingest → disbursement)
- Contract + template + policy version pinned
- E-sign intent + identity capture stored
- Aligned to MAS, ESIGN, eIDAS, local equivalents
Compliance & governance
Built to pass lending review — not just to ship.
Regulator-ready from day one. Delivery includes policy packs, contract templates, e-sign law alignment, and governance workflows your legal, risk, and operations teams all need.
Lending-policy engine
Jurisdictional lending rules (MAS credit caps, consumer-credit disclosures, TILA, ECOA) — applied consistently, versioned, and overridable through a controlled policy workflow.
Fair-lending + treating customers fairly
Disparate-impact analysis, explainable pricing, and customer-facing reason codes — aligned to ECOA-style testing and MAS FEAT fairness principles.
Regulator-ready audit trail
Every document, decision, override, contract version, and disbursement — stored, indexed, exportable.
Change management + versioning
Policy versions, template versions, model versions — all tracked with rollback, effective-dates, and cross-referenced decisioning impact.
E-sign law compliance
ESIGN Act (US), eIDAS (EU), ETA (SG) — signature-capture, intent-to-sign, and retention aligned to each jurisdiction's requirements.
SLA + ops monitoring
Time-to-decision, time-to-disbursement, channel-level funnel, and drop-off analytics — all in InsightAX for the ops team.
Why Axccelerate for origination
Not an LOS vendor.
An origination chain, engineered.
A traditional LOS gives you workflow. Our stack gives you every link — intake, OCR, decision, contract, e-sign, disburse — wired through your core with the audit record your regulator actually wants.
Pricing
Priced to the product line, not the application volume.
Origination deployments are custom — we scope against your products, channels, and integrations before quoting.
Glossary
The vocabulary behind every application.
A quick reference for the acronyms that show up in loan origination — the terms your ops, legal, and regulator will all use.
- TTD
- Time-to-Decision
Elapsed time from application submission to the final credit decision — a key KPI in origination efficiency.
- TTF
- Time-to-Funding
Elapsed time from application submission to money in the applicant's account — typically longer than TTD because of disbursement rails.
- LOS
- Loan Origination System
The platform that orchestrates the origination workflow — intake, docs, decisioning, contract, disbursement.
- KYC
- Know Your Customer
Identity verification and risk assessment performed on individual applicants at onboarding.
- DSR
- Debt-Service Ratio
Monthly debt obligations as a fraction of income; most policies cap DSR between 0.55-0.65.
- LTV
- Loan-to-Value
Loan amount divided by collateral value; key risk lever in secured lending.
- ESIGN
- Electronic Signatures in Global and National Commerce Act (US)
Federal law recognising electronic signatures as legally equivalent to wet-ink signatures.
- eIDAS
- Electronic Identification, Authentication and Trust Services (EU)
The EU regulation governing electronic signatures, seals, and trust services.
- TILA
- Truth in Lending Act (US)
US consumer-protection law requiring clear disclosure of credit terms — APR, fees, payment schedule.
- ECOA
- Equal Credit Opportunity Act (US)
US law prohibiting credit discrimination on protected-class basis; the basis for adverse-action reason-coding.
- ACH
- Automated Clearing House
US electronic payment network handling direct deposits, bill payments, and B2B transfers.
- PayNow / FAST
- Singapore real-time payment rails
PayNow (P2P, proxy-based), FAST (interbank real-time) — common disbursement channels in Singapore.
- SEPA
- Single Euro Payments Area
The EU real-time and batch euro-payment scheme — disbursement channel for EU origination.
- Reason code
- Adverse-action reason code
A standardised code returned alongside a credit decision (approve, refer, decline) explaining the top drivers — regulator-required for adverse decisions in many jurisdictions.
Your origination chain, engineered.
30-minute scoping with a senior engineer and an ex-lending operator. Integration sketch, decision tree, timeline — not a sales pitch.