Omnichannel applications
Web, mobile, branch, field, partner, call-centre, WhatsApp and API intake with consent, de-duplication and ownership.
LOS + LMS + operational AI
The lending platform around every loan event.
SquareNow connects origination, underwriting, approvals, disbursement, servicing, accounting, collections and compliance without hiding policy or operational ownership.
OriginationLead to booked disbursement
ServicingSchedule to closure
ControlPolicy, consent and evidence
IntelligenceAI queues with human authority
One operational record
Origination and servicing should not lose context at disbursement.
A loan origination system controls the journey from lead and application through verification, credit decision, approval and disbursement. A loan management system controls the live account through schedules, accruals, receipts, charges, delinquency, accounting and closure.
SquareNow keeps both on one event history. Operators can see where information came from, which policy version applied, who approved an exception, how money moved and how the ledger changed.
- LOS
- Lead, application, KYC, documents, bureau and bank data, underwriting, approval, offer, agreement and disbursement.
- LMS
- Schedule, interest, fees, taxes, payments, allocation, moratorium, restructuring, delinquency, foreclosure and closure.
- Sub-ledger
- Event-driven loan accounting with configurable general-ledger mapping, controlled reversals and reconciliation evidence.
- Operations layer
- Queues, SLAs, maker-checker actions, exceptions, communication, field tasks and AI-agent escalation.
Platform capabilities
Configured per product. Governed as one system.
Verification and underwriting
Document extraction, provider checks, policy rules, scorecards, collateral, authority limits and exception routing.
Disbursement and repayment
Conditions, tranches, payment initiation, mandates, receipt allocation, bank response and reconciliation.
Loan servicing
Schedules, accruals, charges, waivers, moratoria, restructuring, foreclosure, closure and document release.
Collections orchestration
Risk and DPD queues, promises, messaging, voice, call-centre, field visits and authorised escalation.
Portfolio and compliance
AUM, PAR, DPD, vintage, concentration, operational SLA, audit evidence and configured reporting calendars.
Application to closure
Eight stages. No invisible hand-off.
Select a stage to inspect the input, control and operational output.
Meet borrowers where they already transact.
Capture applications across direct, assisted and partner channels. Apply consent, de-duplicate leads, test basic eligibility and assign an owner before work begins.
InputLead, channel, consent
ControlEligibility and duplicate gate
OutputOwned application with SLA
Build a complete file with source evidence.
Extract documents, validate identity, collect missing information and connect approved bureau, bank, tax, business or collateral providers.
InputIdentity and financial evidence
ControlVerification matrix
OutputComplete credit file
Encode policy without hiding judgment.
Combine eligibility, scorecards, exposure, cash flow and collateral. Show which policy condition passed, failed or requires review.
InputVerified credit signals
ControlVersioned policy
OutputExplainable recommendation
Sequence authority, documents and money movement.
Route approvals, generate offers, verify conditions, initiate payment and reconcile the response against the booked account.
InputRecommendation and conditions
ControlMaker-checker authority
OutputReconciled disbursement
Make every balance explainable.
Generate schedules, accrue interest, apply charges, allocate payments and control amendments, restructuring, foreclosure and closure.
InputTerms and transactions
ControlProduct accounting rules
OutputLive schedule and ledger
Match action to borrower and bucket.
Prioritise by DPD, risk, promise and contactability across automated, call-centre and field channels with human escalation.
InputDPD and behaviour
ControlContact and escalation policy
OutputOwned next-best action
See portfolio movement before month-end.
Track AUM, PAR, DPD migration, vintage, collection efficiency, concentration and operational exceptions with transaction drill-through.
InputLoan and ledger events
ControlMetric definitions
OutputManagement and regulatory views
End cleanly or begin again with context.
Calculate payoff, release collateral, issue closure documents and use repayment history for controlled renewal eligibility.
InputBalance and obligations
ControlClosure checklist
OutputClosed or qualified renewal
Operational AI
Eight agents with specific jobs.
Each agent works inside configured policy and produces evidence.
Lead capture
Qualification, consent, matching and assignment.
KYC and verification
Extraction, cross-checking and missing-file follow-up.
Underwriting checklist
Policy match, scorecards and exception routing.
Disbursement
Conditions, payment trigger and reconciliation.
THALA collections
Multilingual early-bucket follow-up and escalation.
Audit and compliance
Evidence packs, exceptions and report calendars.
KYEHR field productivity
Attendance, route, visits and completion.
Renewal and cross-sell
Behaviour-led eligibility and owner hand-off.
Control by design
Readable by operators. Defensible to auditors.
Role and authority
Role-based access, maker-checker, limits, branch and entity boundaries.
Consent and evidence
Purpose, source, document, policy version and decision history.
Data protection
Encryption, environment separation, retention, backup and residency design.
Accounting integrity
Immutable postings, controlled adjustment, suspense and GL mapping.
SLA ownership
Queues, ageing, escalation, turnaround and unresolved exceptions.
Security programme
SOC 2 and ISO 27001 programmes are stated as in progress for 2026, not completed certification.
Implementation
Configure. Prove. Migrate. Scale.
A standard first-product rollout targets four to six weeks; complex migration and core replacement receive a separate plan.
Operating blueprint
Map product, policy, data, accounting, reports and acceptance.
Configure and connect
Set journeys, rules, access, templates and priority interfaces.
Prove end to end
Test normal, exception, failure, reversal and reconciliation cases.
Go live and expand
Migrate agreed data, train teams and add products in waves.
Platform FAQ
Questions about the operating model.
Can SquareNow be used only as an LOS?
Yes. Modules can be scoped around the existing architecture, but the integration design must define which system owns the customer, account, schedule, transaction and ledger.
Can people override an AI recommendation?
Override and approval rights are configurable by role and authority. Overrides can require reason capture, maker-checker review and policy exception reporting.
Does the LMS support restructuring and foreclosure?
Product configuration can cover schedule changes, moratoria, restructuring, payoff, foreclosure, controlled waivers and closure workflows.
How long does implementation take?
A standard configured rollout targets four to six weeks. Migration, core integration, multi-entity architecture and parallel runs are planned separately.