About easylodge®
Built by lenders,
for lenders.
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.
Our story
We know this industry because we've lived in it
easylodge was established in Newcastle, NSW 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 Surety long before easylodge was launched — with Surety 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 R&D 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."
— Kosta Patsan, Founder & Managing Director
Across virtually every consumer & commercial asset class
Monthly, across AU, UK, US, NZ and Asia Pacific
19 years of continuous development and improvement
At no additional cost to our clients
Our story
Founder & Managing Director
"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 was built differently. My founding roots are in lending itself — I established Finance Now and Surety long before easylodge, with Surety becoming Australia's seventh largest personal loan lender. We hold our own credit licence. We've processed over 1.4 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
19 years of continuous innovation
Founding roots — Finance Now & Surety
Kosta Patsan, our founder, establishes Finance Now and Surety — the latter going on to become Australia's seventh largest personal loan lender. This deep, hands-on lending experience — not software theory — forms the foundation of everything easylodge would later become.
easylodge established — Newcastle, NSW
easylodge® is established in Newcastle, NSW 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.
Servicer™ launched — completing the lifecycle
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.
International expansion — UK, USA, Asia Pacific
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.
EasyRule™ V5 — AI-powered credit decisioning
Launch of EasyRule™ Credit V5™ incorporating machine learning elements. Forward projections, "what if" scenario analysis and dynamic risk-based pricing — making easylodge's credit engine one of the most advanced available in the market.
SOC 2 Type 2 Certified
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. 255,000+ loans now under management.
$1.46M R&D — and counting
In FY2025 alone, easylodge invests over $1.46 million in platform development — all at no additional cost to clients. 1.4 million total applications processed. The platform continues to be updated every week.
See the platform in action
Two minutes. The whole picture.
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.
Loan Origination — watch the platform
See the 4-minute application, 30-second credit decision and instant contract creation in a live demonstration.
Loan Management — watch the platform
See how Servicer™ manages portfolios, direct debits, arrears and reporting across 255,000+ loans.
Credentials & certifications
Recognised. Certified. Trusted.
SOC 2 Type 2 Certified
Independently audited bank-standard security, processes and infrastructure
Australian Made & Owned
Built and supported locally from Newcastle, NSW since 2007
ACL 395839
Own Australian Credit Licence — we operate as a credit provider
Federal Court Expert
Kosta Patsan — recognised expert witness in credit decisioning
Leadership team
Meet the people behind 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.
Founder & Managing Director
Established Finance Now and Surety — the latter becoming Australia's seventh largest personal loan lender — before founding easylodge in 2007. Federal Court expert witness in credit decisioning.
Head of Technology
Leads platform engineering, security and infrastructure. Owns the Newcastle 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.
Customer Success Manager — Asia Pacific
Looks after Asia Pacific clients across Australia, New Zealand and the wider region. Manages onboarding, training and ongoing platform success day-to-day.
Customer Success Manager — UK & Europe
Owns customer success across the UK and European client base. First point of contact for ongoing training, configuration changes and platform questions in the region.
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.
Ready to meet the team?
Book a 30-minute call with Kosta Patsan or one of our senior team members. No pitch deck — just a conversation about your lending business.
News & Insights
Lending intelligence.
From the industry insiders.
Articles, updates and commentary from the easylodge team — covering credit technology, regulatory changes and lending best practice in Australia and beyond.
From the blog
Long-form articles & insights
Technology is changing the business of lending — and the gap is widening
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.
The level of competition in lending is intensifying. Tech-savvy banks are getting more competitive. Finance companies are moving into prime markets. Digital banks are emerging. Fintechs want to eat your lunch.
Technology is making all of this happen and driving down the barriers to entry. To your market. To your customer. To your business. The question is not whether to invest in technology — it’s whether you can afford not to.
easylodge was built to solve this problem. Industry-beating technology at a fraction of the cost — with no $100,000 scoping studies, no three-year roadmaps, and no multi-million dollar licence fees. We only make money when you do.
Technology is changing the business of lending — and the gap is widening
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.
Why a 4-minute loan approval changes everything for your borrowers
Applicants completing a mortgage application in under 4 minutes. Credit decisioning, serviceability calculations, AML & KYC checks, bank statement analysis and risk-based pricing — all performed instantly. This is not a future state. This is available today.
Understanding weighted arrears: essential reading for wholesale funders
Weighted arrears is one of the most underutilised concepts in lending — mainly the reserve of larger lenders. For any lender seeking warehouse or wholesale funding, understanding the difference between actual and weighted arrears is not optional.
easylodge® achieves SOC 2 Type 2 certification
easylodge® has formally achieved SOC 2 Type 2 certification — independently auditing the bank-standard security infrastructure that has underpinned the platform since its inception. Here’s what this means for our clients.
EasyRule™ V5: how machine learning is transforming credit decisioning
EasyRule™ Credit V5™ incorporates machine learning in two specific ways: forward projections that anticipate credit outcomes, and “what if” scenario analysis for regression. Here’s how it works in practice and what it means for your credit quality.
CRM vs origination platform: why the distinction matters for lenders
A great deal has been said recently about CRMs and their purported origination capabilities. A CRM is about capturing data. An origination platform is about interpreting it, running credit rules, guiding workflow and producing instant decisions. They are fundamentally different tools.
NCCP, ASIC and AFCA: what Australian lenders need to know in 2026
The regulatory environment for Australian lenders continues to evolve. easylodge has held its own Australian Credit Licence since inception and understands the local regulatory landscape — NCCP, APRA, ASIC and AFCA — at a depth that most software providers simply cannot match.
Social wall
Latest from our channels
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110+ lenders. 1.4M+ applications processed. 255,000+ loans under management. The easylodge platform is now live across 5 markets — and we're just getting started. ???????? #LendingTech #Fintech
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New: Servicer™ now handles weighted arrears reporting natively — essential for any lender working with warehouse funders. Read more on the blog (link in comments) ????
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Welcome aboard to our newest UK client — going live on Originator™ and Servicer™ in under 6 weeks. Bank-standard tech at a fraction of the cost. That's the easylodge promise. ????
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