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The products

Four suites and three front doors. Take a whole suite, or any module on its own.

Four suites. Evidence at every step.

The platform: 23 modules, each open to try
On transactions it never saw: 99.2% of Statement’s categories right
Founding lenders: 40% off for three months. Ten places.

Try every product end to end → · See them all in five minutes → · How they connect →

Creditcrest Origination Suite

Take applications and bring borrowers on board. $0.80 a decision

Creditcrest Hosted Application

Your application, run for you.

A six-step application under your brand, with the ID and bank checks inside it.

Open Hosted Application →Try it end to end Try it

Creditcrest Apply

Questions with a record.

Your questions for each kind of credit, every answer sealed with its form version.

Open Apply →Try it end to end

Creditcrest Identity

Know what was verified.

Email and mobile codes, an ID document and selfie, and a record of each.

Open Identity →Try it end to end

Creditcrest AML

Due diligence, documented.

Customer due diligence, a risk rating with its factors, and AUSTRAC’s clocks.

Open AML →Try it end to end

Creditcrest Documents

The right version, in order.

Credit guide, target market determination and contract, issued in the version in force.

Open Documents →Try it end to end

Creditcrest Contracts

Write it once. Keep it signed.

Templates, signing, a repository and renewals, in your own name and colours.

Open Contracts →Try it end to end

Creditcrest Sign

Sign it. Keep the proof.

Drawn or typed signatures, sealed evidence and a certificate to keep.

Open Sign →Try it end to end

Creditcrest Portal

One account. A clear view.

The borrower’s account: balance, next repayment, payments, hardship and documents.

Open Portal →Try it end to end

Creditcrest Decisioning Suite

Read the statement, score the applicant, apply your policy. $2.15 a decision

Creditcrest Statement

Follow every figure.

Income, commitments and expenses from a bank statement, each with its transactions.

With Extract, Enrich and Capacity

Open Statement →Try it end to end Bank statement

Creditcrest Score

Measured against your own book.

A rating against your own model borrower, updated with every loan that closes.

Open Score →Try it end to end

Creditcrest Policy Engine

Your policy. Replayable.

Your credit policy as a versioned file; every rule’s result, with its figures.

Open Policy Engine →Try it end to end

Creditcrest Operations

Every handover is visible.

The work queue, checklist and service levels, and a second person’s check.

Open Operations →Try it end to end

Creditcrest Small Amount

Costs in dollars and dates.

Fees, repayment dates and protected earnings, checked for small and medium loans.

Included with Policy Engine, at no extra price

Open Small Amount →Try it end to end

Creditcrest Servicing Suite

Run the book after the money goes out. 0.85% of the first $5,000 of each advance

Creditcrest LoanManager

A ledger that tells the story.

Every balance replayed from its events: allocations, days past due, payout.

Open LoanManager →Try it end to end Assessment copy

Creditcrest Payments

Movement with a record.

The day’s debits drawn from the ledger, direct entry files, and dishonours reversed.

Open Payments →Try it end to end

Creditcrest Collections

Dates. Reasons. Next steps.

Arrears and hardship, each with its legal clock and a written reason.

Open Collections →Try it end to end

Creditcrest Credit Reporting

Report from the ledger.

Monthly repayment history and hardship information, reported from the ledger.

Open Credit Reporting →Try it end to end

Creditcrest Book and reports

The book, counted honestly.

The book by arrears band, vintages, the funnel and cost per funded loan.

Open Book and reports →Try it end to end

Creditcrest Compliance Suite

Stay inside the law, with the evidence. Inside the Servicing Suite’s share of each advance

Creditcrest Controls

Show what opens the gate.

Release gates that stay shut until each control is passed and evidenced.

Open Controls →Try it end to end

Creditcrest Complaints

Every complaint accounted for.

Each complaint on its clock, overdue flags, and the IDR data report for ASIC.

Open Complaints →Try it end to end

Creditcrest Privacy

Make data duties visible.

Access and correction requests, retention and breach assessments, on their clocks.

Open Privacy →Try it end to end

Creditcrest for Brokers

Compare the market and keep the best interests file. $16.50 a sealed file

Creditcrest Compare

Compare the whole cost.

Every published home loan rate for a loan, ranked by its whole cost.

Open Compare →Try it end to end Back book

Creditcrest Broker

Keep the reasoning.

Options costed and ranked, and a sealed best interests file.

Open Broker →Try it end to end

Creditcrest Statement API

Read a bank statement from your own program. $1.45 a statement

A sandbox key in one call. Enrich on its own is $4.40 per 1,000 transactions, less at volume. Measured accuracy, per category: Statement, Enrich. Quickstart →

Every figure carries what it came from. Software supplies the evidence; the licensee makes the decision.