Platform & Infrastructure

Bank-standard infrastructure.
Fraction of the cost.

easylodge® runs on AWS-managed, Equinix SY5-housed infrastructure — the same standard used by Australia's largest financial institutions.

The easylodge® Credit Lifecycle Platform

Three functions. Three modules. One platform.

Loan Origination · Credit Decisioning · Loan Management. Take any one on its own and get started — or run the entire credit lifecycle on a single connected system.

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
 
Available as a standalone — start with origination only
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 — NCCP aligned
  •   Risk-based dynamic pricing
 
Embedded in Originator™ & Servicer™
Module 2 · EasyRule™ V5

Loan Management

Full lifecycle from funding through to final payout — DDR, arrears, hardship, reporting and the borrower portal.

  •   255,000+ 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 managed · Equinix SY5 · 99.99% uptime

Distribution

Direct · Broker · POS · Branch · White-label

28+ Partner apps

Credit · Identity · Payments · Open Banking

Reporting

58 built-in reports · Securitisation-grade

Compliance

SOC 2 Type 2 · NCCP, APRA & ASIC aligned

Consumer · Commercial · Auto & Asset · Mortgages · BNPL · Revolving Credit · SME · Bridging

By the numbers

Scale you can trust

M+
Applications processed
+
Loans under management
Applications per month
Production servers
%
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.

  • 4-min application
  • 30-sec decision
  • Auto contracts
  • EasyFund™
  • CRM built-in

EasyRule™ Credit V5™

AI & machine learning credit engine. Serviceability, profile scorecarding, credit rules, risk-based pricing — embedded in every application.

  • Machine learning
  • Scorecarding
  • Auto contracts
  • Risk pricing
  • AML/KYC

Servicer™

Full lifecycle loan management — direct debits, repayments, arrears, hardship, complaints, portfolio reporting and final payout.

  • 255,000+ loans
  • 58 reports
  • DDR automation
  • Weighted arrears

Infrastructure — AWS Managed / Equinix SY5 Data Centre, Alexandria NSW

Web & App Servers

  • 2× Nginx Frontend Balancers
  • 1× Nginx Backend Balancer
  • 7× API/Rails Web Servers
  • 4× 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 (28+)

Credit & Identity

  • Equifax Australia
  • Equifax USA
  • Creditsafe / TransUnion UK
  • GBG Green ID
  • Equifax IDMatrix
  • Credas (UK)

Payments

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

Open Banking

  • Fiskil (AU)
  • Credas (UK)
  • Illion Bank Statements
  • Westpac PayWay
  • Microsoft Azure 2FA
  • .Google / Twilio 2FA

Valuations

  • Domain AVM
  • JLL AVM
  • Glass' Guide (vehicles)
  • HM Land Registry UK
  • ABR (AU)
  • .Companies House UK

Documents & CRM

  • 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 Equinix SY5 and global AWS data centres

NCCP & ASIC Compliant

Built for the Australian regulatory environment — NCCP, APRA, AFCA aware

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
  • 58 reports — activity, accounts, arrears, securitisation, investors

No PC in a corner operation.

14 production servers. Equinix SY5. AWS-managed. Bank-standard infrastructure at a fraction of the cost.

See how it works
Book a demo

The easylodge® Credit Lifecycle

From first enquiry to final payout.

The complete credit lifecycle — 7 steps in Originator™, 9 steps in Servicer™. Every step managed, tracked and automated in one platform.

Loan Origination (Originator™)

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.

Loan Management (Servicer™)

255,000+

Loans managed

1 click

From Originator™

58

Built-in reports

Unlimited

Portfolios

1

Onboarding

Loan receipt from Originator™ — one click

When EasyFund™ fires in Originator™, the complete loan package transfers automatically to Servicer™ — all application data, credit decision, documents and borrower CRM details. Zero re-entry.

Full integration — same cloud platform, one database, one system of record
All asset classes supported from day one
Unlimited portfolios — assign each loan to nominated portfolio on receipt
Loan established in Servicer™ within seconds
2

Setup

Loan & portfolio configuration

Each loan is configured within its nominated portfolio — repayment type, frequency, schedule, fees and product parameters set automatically from the origination data.

Automated banking and interest calculations — no manual computation
Unlimited products assigned to each borrower
Automated welcome letter and customer portal invitation sent to borrower
3

Payments

Automated direct debit & repayment processing

Direct debit files generated and submitted automatically — the loan runs without manual intervention for performing accounts.

GoCardless, Westpac PayWay, Zepto, Ezidebit, .aba file — all supported
Automated DDR bounce interest-lost calculation — automatically debited from client accounts
Customer statements generated and available via borrower portal
4

Customer

Borrower self-service portal

Borrowers receive automated access to their own portal — reducing inbound service calls and giving borrowers transparent, 24×365 access to their loan information.

Current loan balance and repayment schedule
Statement download — any period, on demand
Direct contact to lender via portal messaging
5

Arrears

Arrears detection & managed repayment

Arrears are surfaced automatically. Managed arrears repayments allow your team to set a custom repayment amount, calculate the weeks to clear arrears, then auto-revert to standard repayments.

Real-time arrears monitoring — by account, by portfolio, by product
Managed arrears: enter custom repayment → system calculates weeks to clear → auto-reverts on resolution
Weighted arrears calculations displayed — required for wholesale funding
6

Compliance

Hardship & complaints workflow

Complete hardship and complaints management with guided workflow — ensuring regulatory compliance while providing a consistent, documented process for every case.

Step-by-step hardship process — NCCP compliant workflow with checklist and notes
Custom repayment adjustment — instantly calculated and applied to the loan
All actions recorded with name, time, date stamp and IP — full regulatory audit trail
7

Reporting

Portfolio reporting & management analytics

58 pre-built reports covering every aspect of the credit lifecycle — from individual account activity through to full securitisation-level portfolio reporting.

Activity Reports (8)
Transactions, changes, communications, notes activity
Accounts Reports (14)
Portfolio overview, loan metrics, account status
Arrears Monitoring (8)
Actual & weighted arrears, 30/60/90/120+ day buckets
Securitisation Reports (7)
Warehouse facility standard — investor-ready reporting
8

Investors

Investor & fractional ownership management

Track and report on multiple investors across multiple loans — essential for wholesale funders and peer-to-peer lenders.

By investor — fractional interest across all loans, interest and fees earned, returns calculation
By portfolio — each loan, each linked investor and their fractional financial interest
Supports unlimited portfolios — required for syndication structures
9

Completion

Loan payout — completing the credit lifecycle

EasyFund Payout calculates the exact payout figure on any given day — including pro rata interest and fees — then generates the payout statement and direct debit file to action it.

Payout calculated to the day — pro rata interest and any applicable fees
Payout statement generated automatically and emailed to borrower
Direct debit file created — GoCardless, PayWay, Zepto, Ezidebit, .aba — to action the payout

The credit lifecycle complete. From initial enquiry through origination, credit decisioning, funding, lifecycle management and final payout — all in one connected platform.

Ready to see the origination workflow live?

30 minutes. Real platform. No slides.

Book a demo
See how it works