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Corporate lending

Simplify your corporate lending business with a powerful, automated system for loan origination and administration.

Reduce corporate lending complexity

Whether you are looking for a lean and agile system for sector-specific loans, or a modular solution that's easy to integrate with your core banking platform, we have the answer.

The automated Tieto Emric software simplifies loan origination and administration, from first contact to final accounting. Our system can support corporate loans, agricultural loans, bank guarantees, personal loans, mortgages, consumer credit, deposits, savings accounts and card approvals. While banks and financial institutions focus on core business, we take care of the administration.

Måns Larsson

Senior Sales Manager, Credit Solutions and Services

In the spotlight

Open Banking - How to leverage ecosystems and customer data

Join our seminar on 21 March in Helsinki.


Aktia bank, the first to complete a full core banking replacement in the Nordics

An automated lending solution enabled Aktia to reduce running costs by 50% and speed up loan processing from taking days to just hours.

Read more

Social and alternative data-driven scoring – a needed complement to traditional credit scoring

With alternative scoring, lenders can achieve higher accuracy in their credit evaluations & capture customers they would have missed out on.

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The chatbot revolution

Can chatbots provide the answer to delivering a new level of customer service?

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Key benefits


Save time and resources

A fully automated corporate lending solution saves you time and resources, while delivering a superior service to your customers.


Connect and grow faster

Our user-friendly platform supports multiple currencies and languages, and is fully integrated with open APIs, allowing connectivity with multiple channels and giving you a faster time-to-market.


Reduce operational risk

An automated credit process with compliance embedded reduces operational risk and ensures adherence to legal infrastructure and regulations.

Key features

Loan origination

Our loan origination module automates the entire application process. High volumes of data can be handled at application, while the decision phase is based on a combination of risk scoring, lending thresholds and business rules. All documentation is then generated automatically, ensuring accuracy.

Loan administration

The loan administration phase is completely automated, taking care of credit processing from first payment to final accounting. Loan status updates are available in real time. Our solution supports multi-channel integration, allowing you to adapt to new markets effortlessly.

Scoring made simple

Through a set of standard KPIs, supplemented with advanced analytics and data compilation, we can give you greater access to reliable and assessable corporate lending data, while designing and automating the credit rules needed to make complex credit decisions.

An agile solution

Our agile approach delivers solutions at lightning speed, while reducing implementation costs. As a fully automated 'off the shelf' solution, it is quick to implement with a three month time-to-market. It allows you to configure your lending process to your requirements.

Compliance embedded

Compliance is embedded into our solution, ensuring you continuous compliance with regulatory, legal and infrastructural requirements including GDPR and IFRS 9 and 16. A real-time automated compliance process reduces operational risk, allowing you to grow and adapt quickly to new market requirements.

Sourcing support

We can take care of the complete software hosting through our SaaS solution, or with software licences, and you can choose to host through the cloud, a hybrid solution or on-prem. We can also supervise all or part of the origination and administration process through our Financial BPO service.

Best-practice service

With more than 20 years' experience, we are the leading Nordic credit software provider. Our expertise adds significant value to your business and delivers best-practice solutions as standard. We understand the services you require and how to streamline processes to provide maximum efficiency.

Download the brochure

Learn more about our Loan Origination and Administration products, our delivery types and service levels, by downloading our brochure.

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