About easylodge®
Since 2007, we have been building industry-beating credit software for Australian and international lenders, at a fraction of the cost, time and complexity of legacy platforms.
Easylodge is Australian-made lending software that gives lenders credit decisioning, loan origination and loan management in one platform. Originator™ handles applications, credit assessment, documents and funding. EasyRule™ Credit V5 makes automated credit decisions on submission. Servicer™ manages the loan through repayments, arrears, hardship and payout.
Easylodge Pty Ltd (ABN 61 123 656 691) was founded in Newcastle NSW in 2007, holds Australian Credit Licence 395839, is SOC 2 Type 2 certified and NCCP compliant, and is hosted on AWS in Sydney.
Our story
Easylodge® was established in Newcastle, Australia in January 2007 with one mission: to give small and medium-sized lenders access to the same quality of credit technology used by the major banks, without the $100,000 scoping studies, multi-year implementation projects or eye-watering licence fees.
Our founding roots reach back further. Kosta Patsan, our founder, established Finance Now and Allsurity long before Easylodge® was launched, with Allsurity going on to become Australia's seventh largest personal loan lender. That foundation of deep, hands-on lending experience, not software theory, is what shaped Easylodge® into what it is today.
We have been building, improving and supporting the platform ever since, investing over $1.46 million in FY2025 alone, all at no additional cost to our clients. We build solely for the credit industry and maintain our competitive advantage by thinking like lenders, not like traditional software vendors.
"When you're working with Easylodge®, you're dealing with me, the founder. I've built a great team of 23+ people that support our clients unconditionally."
1.8M+
Applications processed
Across virtually every consumer & commercial asset class
260K+
Loans under management
Across AU, UK, USA, NZ & Asia Pacific
2007
Founded
19 years of continuous development and improvement
$1.46M
R&D in FY2025
At no additional cost to our clients
Our story
"I started Easylodge® because I'd spent years watching good lenders lose business. Not because their credit was wrong, or their products weren't competitive, but because their technology let them down. A three-day turnaround when the borrower wanted an answer in three minutes. A $100,000 scoping study before a line of code was written. Platforms that were built by people who'd never worked in lending."
"Easylodge® is built differently. My founding roots are in lending itself. I established Finance Now and Allsurity long before Easylodge®, with Allsurity becoming Australia's seventh largest personal loan lender. We hold our own credit licence. We've processed over 1.8 million applications. We know what NCCP, APRA and ASIC actually mean in practice, not just in theory. That knowledge is baked into every part of the platform."
"When you're working with Easylodge®, you're dealing with me, the founder. I've built a great team of 23+ people that support our clients unconditionally. My livelihood depends on delivering what I promise, and that's the most powerful guarantee I can give you."
Kosta Patsan
Founder & Managing Director, Easylodge® Pty Ltd. Expert witness, Federal Court of Australia, credit decisioning and assessment.
Company history
Kosta Patsan, our founder, establishes Finance Now and Allsurity, the former being Australia's largest consumer loan aggregator tool. This deep, hands-on lending experience, not software theory, forms the foundation of everything Easylodge would later become.
Easylodge® is established in Newcastle, Australia with a single mission: bank-standard credit technology for small and medium-sized lenders, at a fraction of the cost. The first clients onboarded within weeks of launch.
Easylodge Servicer™ is launched, completing the end-to-end credit lifecycle platform. For the first time, lenders could manage origination and loan management in a single connected system with one-click funding transfer.
Easylodge® expands internationally, establishing operations in the United Kingdom, United States, New Zealand and Asia Pacific. Deployed via the Amazon Web Services global network of data centres.
Launch of EasyRule™ Credit V5™ incorporating machine learning elements. Forward projections, "what if" scenario analysis and dynamic risk-based pricing make Easylodge's credit engine one of the most advanced available in the market.
Easylodge® achieves SOC 2 Type 2 certification, formally recognising the bank-standard security and infrastructure that has been in place since the platform's inception. 260,000+ loans now under management.
In FY2025 alone, Easylodge invests over $1.46 million in platform development, all at no additional cost to clients. 1.8 million total applications processed. The platform continues to be updated every week.
See the platform in action
Originator™
See the 4-minute application, 30-second credit decision and instant contract creation in a live demonstration.
Servicer™
See how Servicer™ manages portfolios, direct debits, arrears and reporting across 260,000+ loans.
Leadership team
Founder & Managing Director
Established Finance Now and Allsurity, the latter becoming Australia's seventh largest personal loan lender, before founding Easylodge in 2007. Federal Court expert witness in credit decisioning.
LinkedIn
Head of Technology
Leads platform engineering, security and infrastructure. Owns the worldwide development team and the weekly release cadence that keeps Easylodge® ahead of the market.
Head of Marketing
Leads global marketing and brand strategy across all five Easylodge markets. Drives our positioning, content and demand generation for the lender community.
Operations Manager
Manages operations across all regions. Project manager for onboarding and client custom development, co-ordinating client scoping and support. Process improvement specialist.
Country Director, UK
Leads Easylodge's UK operations end to end, from in-market strategy and partnerships through to client relationships across the UK lender community.
Sales Manager, UK
Drives new business across the UK market. Primary contact for UK lenders evaluating Easylodge for origination, servicing or the full credit lifecycle platform.
Plus a broader team of developers, support specialists, implementation engineers and customer success staff across Australia and the UK. 23+ in total, all employed directly by Easylodge.
Book a 30-minute call with Kosta or one of our senior team members. No pitch deck, just a conversation about your lending business.
News & Insights
By Kosta Patsan · 12 October 2026
Specialist lending businesses do not usually set out to create fragmented technology estates… They grow into them. A lender launches with a small team, a focused product range and a manageable number of cases. Applications may arrive by email. Case information may be held in a CRM, a shared drive or a spreadsheet. Credit checks…
Read moreBy Kosta Patsan · 6 October 2026
From enquiry to funding: how specialist lenders can remove avoidable delay For specialist lenders, speed has always mattered. In bridging, development finance, specialist mortgages and asset-backed lending, borrowers often have a time-critical reason for borrowing. A property purchase may be dependent on completing before another buyer. A refurbishment project may require funds before a contractor…
Read moreBy Kosta Patsan · 20 May 2026
Banks are increasingly relying on technology to gain operational efficiency. Tech-savvy fintechs are hungry for market share. Smaller lenders are being squeezed as the cost of adopting new technology becomes prohibitive. $100K scoping studies? $1M+ for software? 3-year implementation projects? There is a better way.
Read more
