The Easylodge® lending platform
One lending platform for the whole credit lifecycle
Loan origination, credit decisioning and loan management on one connected platform. Bank-standard infrastructure, AWS managed and hosted at Equinix SY5 in Sydney, at a fraction of the cost.
The easylodge® Credit Lifecycle Platform
Three functions. Three modules. One platform.
Consumer · Commercial · Auto · Mortgage · BNPL · Revolving · SME · Bridging
Module 1 · Originator™
Loan Origination
From first enquiry to funded loan. Smart application wizard, distributor management, contract generation and funding, all in one workflow.
- Branded online & broker applications
- 4-minute full application, including ID, bank statements, AML/KYC
- Instant contract generation & eSignature
- EasyFund™ Funding Engine
Module 2 · EasyRule™ V5
Credit Decisioning
AI & machine learning credit engine. Serviceability, scorecarding, credit rules and risk-based pricing, decided in 30 seconds.
- 30-second automated credit decision
- Machine learning scorecards
- Serviceability & affordability
- Risk-based dynamic pricing
Embedded in Originator™ & Servicer™
Module 3 · Servicer™
Loan Management
Full lifecycle from funding through to final payout: DDR, arrears, hardship, reporting and the borrower portal.
- 260,000+ loans currently under management
- Automated DDR & repayments
- Arrears, hardship & complaints (NCCP)
- Customer self-service portal
Available as a standalone. Bring an existing book onto Servicer™
Wrapped in
Infrastructure · Distribution · Integrated partner apps · Reporting · Compliance
Infrastructure
AWS hosted & managed · 99.9% uptime
Distribution
Direct · Broker · POS · Branch · White-label
30+ Partner apps
Credit · Identity · Payments · Open Banking
Reporting
65 built-in reports · Securitisation-grade
Compliance
SOC 2 Type 2 & NCCP Compliant
Consumer · Commercial · Auto & Asset · Mortgages · BNPL · Revolving Credit · SME · Bridging
By the numbers
Scale you can trust
1.8M+
Applications processed
260,000+
Loans under management
24,000+
Applications per month
14
Production servers
99.9%
Target uptime, 24×365
Distribution & access channels
Direct applicants
Apply Now links
Broker portals
Custom branded
Branch & dealership
In-person origination
Mobile & tablet
24×365 any device
Integrated partner apps
Open API framework
256-bit SSL encrypted connection
easylodge® Platform: the credit lifecycle engine
Originator™
Complete origination from enquiry to funding: distributor management, application wizard, credit decisioning and contract generation.
EasyRule™ Credit V5™
AI & machine learning credit engine. Serviceability, profile scorecarding, credit rules, risk-based pricing, embedded in every application.
Servicer™
Full lifecycle loan management: direct debits, repayments, arrears, hardship, complaints, portfolio reporting and final payout.
Infrastructure: AWS Managed & Hosted, SOC 2 Type 2 Compliant
Web & App Servers
- Nginx Frontend Balancers
- Nginx Backend Balancer
- API/Rails Web Servers
- Worker Servers
- Ruby on Rails platform
Database Layer
- PostgreSQL Managed Master
- Live replicated backup
- REDIS in-memory DB
- 256-bit DB encryption
- Instantaneous backup
Security
- Firewall / DDoS protection
- Dedicated Virtual Private Cloud
- 2-factor authentication
- Encrypted networking HTTP/3
- Isolated server environments
Equinix SY5
- Tier 3 data centre
- ASIO SCEC security
- Biometric access
- 24/7 onsite guards
- 3 global Tier-1 IP connections
Real-time API connections, embedded in credit & origination workflow
Integrated partner applications (30+)
Credit & Identity
- Equifax Australia
- Equifax USA
- Creditsafe / TransUnion UK
- GBG Green ID
- Equifax IDMatrix
- Credas (UK)
- FrankieOne
Payments
- Zepto Payments
- GoCardless
- Ezidebit
- Westpac PayWay
- eWay / Global Payments
- .aba file generation
Open Banking
- Fiskil (AU CDR)
- Credas (UK)
- Illion Bank Statements
- Westpac PayWay
- Microsoft Azure 2FA
- Google / Twilio 2FA
Valuations
- Domain AVM
- JLL AVM
- Glass' Guide
- HM Land Registry UK
- ABR (AU)
- Companies House UK
Services
- PleaseSign™
- DropboxSign™
- ConnexOne
- First Mortgage Services
- TUUM
- Open API framework
SOC 2 Type 2 Certified
Bank-standard security, processes and infrastructure independently audited
AWS Hosted
Enterprise infrastructure across global AWS data centres
Regulatory Compliant
Built for your regulatory environment (all platforms)
Updated Weekly
Platform automatically updates each login. No version upgrades, no extra cost
Product detail
What's inside each module
Originator™
Loan origination, credit & distributor management
- 24×365 uptime: access from anywhere in the world
- Distributor management: custom portals, pricing & product access by channel
- Application wizard with dynamic, logic-based responses and auto-populated CRM data
- EasyRule™ V5 AI credit engine: serviceability, scorecarding, credit checks, risk pricing
- Instant contract creation: PDF, Word or electronic signature (under 2 seconds)
- Full verification workflow with colour-coded credit rules and priority items
- EasyFund™ disbursement: one-click loan funding and transfer to Servicer™
- Automated email/SMS status tracking to applicants and distributors
- BDM management: commissions tracking per distribution network
- EasyClient™ CRM built in: 30-second application re-submissions
Servicer™
Loan lifecycle & portfolio management
- One-click integration with Originator™, no manual data re-entry
- All asset classes: consumer, commercial, mortgage, equipment, vehicles, solar, boats
- Unlimited portfolios across multiple asset classes, supports wholesale/P2P lenders
- Automated DDR: GoCardless, PayWay, Zepto, Ezidebit, .aba files
- Managed arrears: custom repayments calculated to clear arrears by set date
- Weighted arrears calculations for wholesale funding / warehouse requirements
- Hardship & complaints workflow: full NCCP compliant process management
- Customer portal: loan balances, statements, contact
- Fractional ownership / investors module
- 65 reports: activity, accounts, arrears, securitisation, investors
No PC in a corner operation.
14 production servers. AWS-managed. Bank-standard infrastructure at a fraction of the cost.
The easylodge® Credit Lifecycle
From first enquiry to final payout.
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): 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, guiding 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.
See the whole lending platform live
30 minutes on the real platform with the Easylodge team. No slides.