Lending software FAQ

Yes. Easylodge Originator™ loan origination software was built in Australia for Australian lenders. It handles online and broker applications, Equifax and illion checks, serviceability, a credit decision in around 30 seconds, contracts and funding, with NCCP responsible lending built into the workflow.

It depends on your book, but Australian lenders should look for repayments and direct debits through local providers, arrears and weighted arrears reporting, hardship and AFCA-ready complaints workflows, and investor reporting. Easylodge Servicer™ loan management software covers all of these, hosted in Sydney.

Easylodge manages the complete credit lifecycle through three core capabilities:

• Originator™: loan origination and application management
• EasyRule™ V5: automated credit decisioning
• Servicer™: loan management and servicing

The modules can be used individually or combined to manage the entire lending lifecycle in one platform.

Easylodge combines loan origination, automated credit decisioning and loan servicing in a single platform.  The platform is also designed to be configured and implemented more quickly than traditional large-scale lending systems.

Key benefits include:

• One connected credit lifecycle platform
• Automated credit decisioning
• Configurable lending rules and workflows
• Online borrower and broker applications
• Integrated credit, identity, banking and payment services
• Automated loan funding
• Loan servicing and portfolio management
• Built-in reporting
• Cloud-based infrastructure
• SOC 2 Type 2 certification
• Unlimited platform users
• Ongoing updates and support

Yes. Easylodge is modular.

You can use Originator™ for loan origination, Servicer™ for loan management, or combine the modules to manage origination through to servicing.

The modules are designed to work together on the same platform, so you can add functionality as your business grows.

Easylodge supports a broad range of lending products and asset classes, including:

• Consumer finance
• Commercial finance
• Automotive and vehicle finance
• Equipment and asset finance
• Mortgages
• BNPL
• Revolving credit and lines of credit
• SME lending
• Bridging finance
• Boat and caravan finance
• Motorcycle finance
• Solar finance
• Construction finance
• Vendor finance
• Sharia-compliant finance

The platform can support prime, mid-prime and sub-prime lending models.

Yes. Easylodge supports both consumer and commercial lending.

Different products, lending rules, documentation, workflows, pricing and servicing requirements can be configured within the platform.

Yes. Enterprise configurations can support multiple products and portfolios across different asset classes.

This allows lenders to manage different lending products and distribution channels while maintaining a common technology platform.

Easylodge is designed for lenders of different sizes and across a wide range of lending markets. Customers include non-bank lenders, fintechs, automotive and asset finance businesses, mortgage lenders, consumer finance providers, BNPL providers, commercial lenders and specialist finance businesses.

The platform supports both consumer and commercial lending and can be configured for different products, asset classes, lending policies and distribution channels.

In Australia that typically means non-bank lenders, private lenders, mortgage managers, auto and equipment financiers, consumer lenders and fintechs, many of them funded by warehouse facilities.

Yes. Servicer™ can be used to manage an existing loan portfolio.

Migration requirements depend on the size and complexity of the portfolio, data structure and configuration required.

Yes. Easylodge can work with lenders transitioning from existing systems.

The migration process and any data transformation requirements would be assessed as part of implementation.

Yes. One of the key benefits of Easylodge is that Originator™ and Servicer™ operate as connected modules on the same platform.

This can remove the need to manually transfer information between separate origination and servicing systems.

The platforms share the same underlying system of record, allowing application, borrower, credit, documentation and funding information to transfer between origination and servicing without manual re-entry.

Easylodge is available in Australia, New Zealand and Great Britain, as well as supporting international lending operations.

The platform has been deployed across multiple markets and supports multi-market and multi-currency requirements for enterprise customers.

Yes. Easylodge was established in Newcastle, Australia, in 2007 and has been developing and supporting its lending platform since then.

The platform is built and supported by an Australian team, with operations extending across Australia, New Zealand, Great Britain, the UK and Europe.

Easylodge was established in 2007 and has more than 19 years of experience developing credit and lending software.

The platform has processed more than two million applications and manages hundreds of thousands of loans.

Yes. Easylodge offers an API-first architecture and integrated partner ecosystem designed to help fintech lenders launch and scale lending products without having to build their own complete lending infrastructure.

Yes. Easylodge was originally established with the aim of providing smaller and medium-sized lenders with access to sophisticated lending technology without the cost and complexity traditionally associated with large enterprise platforms.

Many Australian clients started as small non-bank or private lenders and grew on the platform. You get bank-standard credit technology without a six-figure scoping study or a multi-year project.

Originator™ is Easylodge's loan origination platform. It manages the process from initial customer enquiry through application, verification, credit decisioning, documentation and funding.

It includes application workflows, distributor management, credit decisioning, contract generation, basic CRM functionality and funding through EasyFund™.

Yes. Easylodge supports branded online application forms and customer application portals.

Application channels can include direct applicants, brokers, introducers, branches, dealerships and other distribution channels.

Yes. Easylodge supports branded application and borrower portals.

The platform can also provide branded portals for brokers, introducers and other distribution partners.

Yes. Originator™ includes branded broker and introducer portals.

Different products, pricing and access can be configured by distribution channel, while applications and activity can be tracked through the platform.

Most Australian home and asset finance is written through brokers, so broker portals and broker level reporting are part of the standard configuration.

Easylodge is designed to allow a complete application to be submitted in as little as four minutes, depending on the product and configuration.

The application workflow can incorporate information such as identity verification, financial information, bank statements, assets and liabilities and affordability information.

Yes. Easylodge uses configurable application workflows that can respond dynamically to information entered by the applicant.

Questions, calculations, lending parameters and credit rules can be configured to suit the lender's products and policies.

Yes. Open banking integrations can be embedded directly into the application and credit decisioning workflow.

This can allow financial information to be retrieved and used as part of the assessment process rather than requiring customers to manually provide all information.

In Australia, open banking runs under the Consumer Data Right. Easylodge integrates Fiskil for CDR data and illion for categorised bank statements, so income and expenses can be verified inside the application.

Yes. AML, KYC, identity verification and other verification processes can be incorporated into the origination workflow.

The platform supports integrations with identity and verification providers and can maintain an audit trail of verification activity.

Australian lenders can verify identity electronically through GBG Green ID, Equifax IDMatrix or FrankieOne, supporting customer identification under the AML/CTF Act. Business applicants are checked against the Australian Business Register.

Yes. Originator™ can automatically generate loan documentation once the relevant application and credit conditions have been satisfied.

Documents can be generated in formats including PDF and Word, with electronic signature options also available.

The Easylodge platform is designed to generate contracts almost immediately following a successful credit decision and completion of the required verification steps.

The current platform documentation states that contract generation can take less than two seconds.

Yes. Easylodge supports electronic signature workflows through integrated document-signing providers.

Contracts can be signed through PleaseSign™, an Australian e-signature provider, or DropboxSign™.

Yes. EasyFund™ manages the loan funding process within Originator™.

Loan proceeds can be disbursed and the completed loan can then be transferred automatically into Servicer™, avoiding the need to manually re-enter loan information.

Disbursements can be paid through Australian payment providers such as Zepto, including real-time payments.

EasyRule™ V5 is Easylodge's automated credit decisioning engine.

It combines credit rules, serviceability and affordability calculations, scorecards, credit bureau information, verification data and risk-based pricing to automate credit assessment.

Easylodge's EasyRule™ V5 engine is designed to provide automated credit decisions in around 30 seconds, depending on the application, integrations and configuration.

Yes. EasyRule™ V5 can be configured around the lender's own credit policies, lending criteria and risk appetite.

Rules can be used to automate decisions, identify applications requiring further review and determine appropriate lending outcomes.

Yes. Easylodge supports serviceability and affordability calculations as part of the credit decisioning workflow.

These calculations can be configured to suit the lender's products and lending policies.

Yes. EasyRule™ V5 supports scorecarding and machine-learning-enabled credit assessment.

Enterprise configurations can also support more advanced machine-learning scorecard requirements.

Yes. EasyRule™ V5 supports risk-based and dynamic pricing.

Pricing can be determined using the information and risk characteristics identified during the credit assessment.

Yes. Easylodge has integrations with credit bureau and credit information providers.

These include Equifax in Australia, the United States and New Zealand, as well as other providers for international markets.

Yes. Credit bureau checks can be incorporated directly into the credit decisioning workflow.

The resulting information can be used alongside other credit rules, verification information and scorecards.

For Australian applicants, Easylodge calls Equifax automatically and reads the result into the credit rules.

Yes. Easylodge records workflow and verification activity, including information about actions performed during the assessment process.

This provides a record of the credit and verification process for operational and compliance purposes.

That record supports the responsible lending assessment Australian lenders must be able to produce under the NCCP Act and ASIC RG 209.

Servicer™ is Easylodge's loan management and servicing platform.

It manages the loan lifecycle after funding, including repayment scheduling, direct debits, arrears, hardship, complaints, customer information, portfolio management and reporting.

Yes. Servicer™ can be used as a standalone loan management platform, including for lenders that want to bring an existing loan book onto the platform.

When Originator™ and Servicer™ are connected, the funded loan can be transferred automatically into Servicer™.

Application data, credit decisions, documents and borrower information move across without requiring manual data re-entry.

Yes. Servicer™ supports automated direct debit and repayment processing through integrated payment providers.

Supported payment options include providers such as GoCardless, Ezidebit, Westpac PayWay and Zepto, as well as .aba file generation.

Yes. Servicer™ includes automated and managed arrears functionality.

Repayment arrangements can be calculated to help clear arrears by a nominated date, and the platform supports reporting and workflows around arrears management.

Arrears are reported by days past due and as weighted arrears, the measure Australian warehouse funders and securitisation investors look at.

Yes. Easylodge includes hardship workflows designed to support the management of customer hardship cases.

The platform provides workflow management and record keeping for hardship processes.

Yes. Servicer™ includes complaints workflow functionality.

This can be incorporated into the lender's operational and compliance processes.

Complaints workflows are set up for Australian internal dispute resolution under ASIC RG 271 and for AFCA referrals.

Yes. Servicer™ includes a customer portal through which borrowers can access information such as loan balances, statements and other account information.

Yes. Servicer™ supports multiple portfolios, allowing lenders to manage different products, funds, asset classes or lending programmes within the same platform.

Yes. Servicer™ supports wholesale and investor lending requirements, including portfolio management and reporting.

The platform also includes functionality for fractional ownership and investor management.

Yes. Servicer™ includes functionality and reporting designed to support lenders managing securitised loan portfolios.

Securitisation and investor reporting are included among the platform's built-in reporting capabilities.

Australian clients use it to report to warehouse funders and for RMBS and ABS programmes.

Yes. Easylodge is a cloud-based platform hosted on AWS-managed infrastructure.

Australian clients are hosted on AWS in Sydney, so data stays onshore.

For our APAC clients, Easylodge's Australian infrastructure is AWS-managed and housed at Equinix SY5 in Sydney.

For our international clients, the platform also uses localised AWS infrastructure for international deployments.

Easylodge uses enterprise-grade security infrastructure, including encrypted connections, firewalls, DDoS protection, dedicated virtual private cloud infrastructure, two-factor authentication and encrypted databases.

That supports the vendor due diligence APRA-regulated lenders carry out under CPS 234 and CPS 230, and the questions non-bank lenders get from their funders.

Yes. Easylodge achieved SOC 2 Type 2 certification in 2024.

SOC 2 Type 2 provides independent assurance around relevant controls relating to security and operational processes.

Yes. Two-factor authentication is supported for platform users and borrower-facing applications through supported authentication integrations.

Yes. The platform infrastructure includes replicated and backed-up database environments designed to protect operational data.

Easylodge is designed to provide continuous access to the platform, with the website stating 24×365 availability.

Actual availability is subject to the applicable service and infrastructure arrangements.

Yes. Easylodge is designed to be configured around different lending products, credit policies, workflows, pricing models and distribution channels.

Yes. Application workflows can be configured using dynamic questions, rules, calculations and lending parameters.

Yes. Documents and contracts can be configured to suit the lender's requirements, including PDF, Word and electronic-signature workflows.

Yes. Custom reporting is available where the standard reports do not meet a specific requirement.

Yes. Easylodge supports branded and configured portals for borrowers, brokers, introducers and other distribution channels.

Yes. Easylodge provides custom development and configuration where required.

Standard configuration changes are included, while larger development projects such as bespoke integrations, new product types or significant custom reporting requirements are scoped and quoted separately.

Yes. Easylodge has a range of pre-integrated partner applications covering areas such as:

• Credit reporting
• Identity verification
• Open banking
• Payments
• Property valuations
• Document signing
• Communications
• Authentication
• Banking and financial services

Australian integrations include Equifax, illion, Fiskil, GBG Green ID, FrankieOne, Zepto, Ezidebit, Westpac PayWay, Domain AVM, Glass's Guide and the ABR.

Depending on the market, Easylodge supports integrations including Equifax, TransUnion/Creditsafe and other credit information providers.

Supported payment integrations include:

• GoCardless
• Ezidebit
• Westpac PayWay
• eWay / Global Payments
• Zepto Payments
• .aba file generation

Availability can depend on the market and product configuration. If you use another provider, ask us about connecting with them.

Yes. Easylodge provides an Open API framework for integrating external systems and applications.

Enterprise customers can use the API framework for custom integrations where a pre-built partner integration isn't appropriate.

Yes. Easylodge can be integrated with external systems using its API framework.

The platform can also be configured to work with existing technology ecosystems and specialist applications.

Pre-integrated partner applications are included as part of the Easylodge platform packages.

Custom integrations and larger pieces of development are scoped separately where required.

Easylodge includes workflows designed to support NCCP-related lending processes, including serviceability, affordability, hardship and complaints management.

The platform is designed to help lenders incorporate compliance processes into their lending workflows.

Easylodge's platform and workflows are designed to support lenders operating within Australian regulatory environments, including processes aligned with ASIC and APRA requirements.

Lenders remain responsible for ensuring their own policies, procedures and use of the platform meet their specific regulatory obligations.

Yes. Easylodge includes extensive built-in reporting across applications, loans, accounts, activity, arrears, portfolios, securitisation and investors.

Yes. Custom reports can be configured for clients where the standard reporting doesn't meet a particular business requirement.

Larger or bespoke reporting requirements may be scoped separately.

Yes. The platform records application, verification and workflow activity and can maintain correspondence and supporting documentation as part of the electronic loan file.

Easylodge is designed for significantly faster implementation than traditional enterprise lending platforms.

Standard configurations can be implemented quickly, while the timeframe for more complex multi-product or multi-market implementations depends on the required configuration, integrations and migration work.

The Easylodge team is based in Newcastle, NSW, and works in Australian business hours with your team throughout.

No dedicated internal development team is necessarily required.

Easylodge provides implementation, configuration, training and technical support. More complex integrations may require involvement from your internal IT or technology teams.

Yes. Easylodge provides unlimited training as part of its packages.

Training is tailored to the lender's workflows, products, Originator™, Servicer™ and distributor portals.

Easylodge provides direct technical and platform support without charging for support calls.

The company also provides ongoing training and configuration assistance.

Support for Australian clients is delivered from Newcastle, NSW, by the people who build the platform.

Easylodge is updated weekly.

Platform updates and new features are delivered continuously without customers having to purchase separate software upgrades.

No. Platform updates are included in the standard Easylodge packages.

Easylodge offers several platform packages depending on the functionality and scale required.

Packages are available with the following configurations:

• Servicer™ stand alone
• Originator™ stand alone
• Originator™ + Servicer™
• Advanced + Multi-product Enterprise

Actual pricing depends on the lender's requirements, configuration, transaction volumes and integrations.  Please contact us for pricing for your specific needs

For standard Servicer™ configurations, implementation is included in the monthly package and there is generally no large upfront setup fee.

For standard Originator™ configurations, costs apply to configure and personalize your portal, documents, workflows and products.  Each implementation is different and is scoped accordingly.

Complex implementations require a one-off configuration fee, which is quoted upfront.

Easylodge's pricing includes a small per-application fee that scales with application volume.

Higher volumes can attract lower unit rates, with the exact cost determined during the pricing process.

No. Easylodge packages include unlimited seats rather than charging a per-user licence fee.

Yes. Customers can start with Originator™ or Servicer™ and add additional functionality later.

Because the modules operate on the same platform, adding another module does not require a completely separate implementation.

The standard Easylodge contract term is 24 months.

Specific commercial arrangements should be confirmed with the Easylodge team.

Pre-integrated partner applications are included in the platform packages.

Custom integrations may incur additional configuration or development costs.

Yes. Enterprise configurations can support multiple products, portfolios, channels and markets within a single platform.

This can allow larger lending groups to standardise their technology while maintaining different products and operational requirements.