Easylodge® Originator™

Loan origination, credit & distributor management.

4 min

Complete application

30 sec

Credit decision

< 2 sec

Contract creation

24×365

Always available

1

Acquisition

Customer enquiry & acquisition

Applicants or distributors access the origination platform through multiple channels — all custom-branded to your requirements and tracked by source for performance analytics.

Direct applicants

Apply Now button linked to your branded application portal — pricing and products configurable by source

Distributor portal

Branded Originator™ terminal — distributors access CRM, saved applications, quoting tools and documents

Existing clients

EasyClient™ CRM auto-populates known data — 30-second application re-submission for returning borrowers

2

Application

Applicant completes application wizard

A smart, guided application wizard — not a dumb form. Logic-based, dynamic responses that adapt to inputs in real time. CRM data pre-populates wherever available.

Guided page-by-page wizard — quoting, personal details, financials, assets & liabilities
Dynamic credit rules, calculators and lending parameters embedded in the wizard
Open banking integration (Fiskil AU / Credas UK) — real-time automatic completion of financial data
AML, KYC, PEPs and biometric identification embedded — no separate process
Complete application in under 4 minutes
3

Credit decision

Submit → instant credit decisioning via EasyRule™ V5

Upon submission, EasyRule™ V5 runs instantly — serviceability, credit rules, Equifax check, ID verification, bank statement analysis, risk-based pricing and profiling scorecards. All within 30 seconds.

Conditionally Approved

Instant contract pack — PDF download or electronic signature triggered automatically

Referred

Colour-coded priority items flagged for credit officer review. All other rules pre-cleared.

Declined

Auto-declined per credit policy — no staff resource required. Can be manually overridden.

Credit decision delivered in under 30 seconds
4

Documentation

Instant document creation & electronic signature

Contracts, pre-approval letters and supporting documents are generated automatically as part of the decisioning process — no admin involvement required.

Contract pack generated in under 2 seconds — PDF or Word document
Electronic signature via PleaseSign™ or DropboxSign™ — initiated instantly
Automated email/SMS status updates sent to applicant and distributor
Documents created in under 2 seconds
5

Credit review

Credit officer completes credit process

For referred applications, credit officers are presented with a structured, colour-coded credit assessment view — all information in one place, no switching between systems.

Colour-coded credit rules — pass, fail, and priority items prominently flagged
External checks (Equifax, IDMatrix, Illion) displayed as embedded credit rules
Verification workflow checklist — every action tracked with audit trail, name, time and IP
Two-way email system — all correspondence saved to electronic file automatically
6

Verification

Supporting documents & compliance verification

Full verification workflow with electronic checklist — guides credit staff through every required action to verify and approve the loan application.

Electronic verification workflow — "ticked off" actions with permanent audit trail
Supporting documents uploaded and stored automatically
NCCP compliant process — workflow forms part of the regulatory compliance record
Affordability offer system — alternative term/amount calculated automatically if needed
7

Funding

Funding via EasyFund™ → transfer to Servicer™

EasyFund™ completes the funding process in two steps — disbursement and automatic transfer to Servicer™, all within the one platform.

A — Disbursement: loan proceeds disbursed to borrower or vendor via EFT or manual transfer
B — Transfer to Servicer™: complete loan details automatically sent to loan management in seconds

No data re-entry. Application, credit decision, documents and borrower details transfer to Servicer™ automatically. Zero duplication. Just one, easy to use and highly efficient platform.