Stop Rebuilding the Wheel.
Launch Your Loan Origination Software in 6 Weeks!
Most fintech projects die in the “development hell” of building core logic from scratch. We give you a battle-tested, SAMA-compliant white-label LOS with built-in scoring, KYC, and bank-grade security.
- You get the code
- You own the infrastructure
- You launch before the market shifts
Why Coderfy?
Regulatory Peace of Mind
Built for SAMA (Saudi) and GDPR standards. Audit logs, data encryption, and compliance-ready architecture are not "features" — they are the foundation.
Advanced Security
Includes native Device Registration (device linking), Biometric Login, and immutable Audit Logs.
Integrations
Pre-configured adapters for National ID (Nafath style) and Credit Bureaus (SIMAH style).
Built for Humans, Tuned for Profit
Dynamic Application Engine
Stop waiting for developers to change a single field.
Our No-Code Form Builder allows your product managers to edit loan questionnaires in real-time.
Conditional Flow
Show fields only when they matter (e.g., specific docs for self-employed).
Save & Resume
Don't lose leads. Users finish their applications at their own pace.
Automated Credit Scoring Engine
Replace manual “gut feeling” with data-driven precision.
We spent hours on customizing these with Canadian and Saudi Arabia loan origination software. We know how to set up any in between.
Conditional Flow
Show fields only when they matter (e.g., specific docs for self-employed).
Save & Resume
Don't lose leads. Users finish their applications at their own pace.
Multi-Lender Marketplace
The ultimate tool for brokers and aggregators.
Give banks their own “Credit Portals”. Manage leads, track conversions, and maintain a strict Maker-Checker workflow where your admins approve KYC and partners issue the funds.
We Speak "Local"
- Identity: Nafath / IAM (Saudi) or global KYC providers.
- Credit Bureaus: SIMAH / Equifax / Creditinfo. Includes a smart Caching Layer to save you thousands in API costs.
- AML/Sanctions: Real-time screening against global watchlists (Sanctions.io integration).
- Fraud Shield: Device fingerprinting and mobile ownership verification (Tahaqaq logic).
We’ve already integrated the hard stuff. Just plug in your keys:
For the CTO's Peace of Mind
Those who are responsible for lending origination system stand-by, your custom business flow and organizations patterns would be glad to find out details here. Credit origination system could be yours or multivendor – we can implement everything that has an API.
The 6-Week Acceleration Roadmap
Straight Answers to Hard Questions
Is this a SaaS or a custom build?
It’s the best of both worlds. It’s a White-Label Accelerator for the loan origination system. You get a proven core that we customize for your brand. Once we finish, the source code is 100% yours.
Can we handle Mortgage or SME loans?
Yes. The engine is asset-agnostic. Whether it’s Micro-lending, SME, or Mortgage (with GDS/TDS calculations), we simply adjust the scoring modules.
How do you handle security?
We implement Device Registration, MFA, and Full Audit Trails. Every click by an admin or a user is logged. We build systems that pass the strictest bank audits.
Do I own the source code, or is it a subscription?
You get 100% Intellectual Property (IP) ownership. Unlike SaaS models where you “rent” your business infrastructure, Coderfy provides a White-Label Accelerator. Once the project is delivered, the code resides in your repositories, and you never pay us another dollar in licensing fees.
Is the system compliant with SAMA and GDPR regulations?
Extremely. You can define and adjust scoring formulas directly from the Admin Panel without touching the code. The system allows you to assign weights to various parameters: Age, Salary, Debt Burden Ratio (DBR), Employment history, and data from Credit Bureaus (like SIMAH). You can have different scoring models for different loan products (e.g., Micro-loans vs. SME loans) running simultaneously.
Do you provide ongoing support?
Yes. Security and compliance are baked into the architecture. We implement full Audit Trails (logging every action), data encryption at rest and in transit, and role-based access control (RBAC). The system is designed to pass Central Bank audits and meets strict data residency requirements.
Can we integrate with local providers like Nafath, SIMAH, or ABSHER?
Definitely. We have pre-built adaptors for National ID verification (Nafath), Credit Bureau reporting (SIMAH/Equifax), and mobile ownership checks (Tahaqaq). Our integration layer handles the complex callback webhooks and “Random Code” logic automatically, saving your team months of development.
Does the LOS support a Multi-Lender or Broker marketplace mode?
Yes. The system can be configured as a marketplace where multiple banks or financial institutions (FIs) have their own portals. You can manage lead distribution logic, segregation of duties (Maker-Checker workflow), and partner-specific commission tracking.
What is the maximum load the system can handle?
Built on a Node.js (Nest.js) microservices-ready architecture and deployed via Kubernetes, the system is designed for horizontal scaling. It can handle thousands of concurrent loan applications and heavy API polling from external bureaus without latency.
How long does the actual deployment take?
Our core Accelerator is ready to go. A standard implementation—including brand customization, integration with 2-3 local providers, and deployment to your cloud (AWS/Azure)—typically takes 6 to 8 weeks to reach UAT (User Acceptance Testing).
Can we launch a mobile app alongside the web platform?
Yes. We provide a cross-platform mobile application built with React Native. It shares the same backend logic as the web portal, ensuring a seamless “Save & Resume” experience for borrowers across all devices.
How do you handle system updates and technical support after launch?
Post-launch, we offer structured SLA (Service Level Agreement) support and maintenance packages. However, since you own the code, your internal team can also maintain and evolve the system independently. We provide full technical documentation and a handover workshop.
Is this LOS suitable for Mortgage or SME lending?
Yes. While the “engine” remains the same, we customize the frontend modules and scoring logic to handle complex calculations like GDS/TDS ratios for Mortgages or business cash-flow analysis for SME lending.
The Future of Digital Lending Read More About Our Technology
Building a competitive digital lending platform requires more than just a slick UI. It demands a robust automated lending software foundation that can handle the complexities of modern fintech. Our white-label lending solution is built as an API-first platform, allowing for seamless connection between the frontend user experience and the high-performance credit decisioning engine.
By utilizing cloud-native fintech infrastructure, companies can reduce operational overhead and focus on market expansion. Whether you are building a microfinance management system, a P2P lending marketplace, or a digital mortgage platform, the core requirements remain: security, scalability, and speed to market.
Our system addresses the critical “Development vs. Buy” dilemma. By choosing a loan management accelerator, you bypass the 12-month development cycle of building a SAMA-compliant LOS from scratch. We focus on the heavy lifting—automated KYC verification, credit bureau API integrations, and secure financial data handling—so you can focus on your borrowers. With React Native mobile lending apps and a Node.js backend, Coderfy provides the most scalable tech stack for the next generation of financial services.
