Finacle is a global company with multi-country expertise, capability and reach
BRANCHES
COUNTRIES
OVER A BILLION PEOPLE
BILLION ACCOUNTS
Modern Enterprise Commercial Lending Suite
Transforming commercial lending for an AI-native world
Commercial lending is where banks earn most of their margin, and where disconnected systems quietly give it back. The front end is rarely the problem. It is the dozen systems behind it that turn every change to a live loan into a project, and every borrower request into a wait.
Finacle Commercial Lending Suite is an enterprise-class, cloud native multi-product platform that lets banks originate, underwrite, disburse, service, monitor, and recover commercial credit on a single connected data set. From a business's first working capital line to complex, multi-entity credit structures, the entire lifecycle runs on one composable platform your teams can configure and scale.
Built on Finacle's proven core, the suite brings AI-assisted decisioning, real-time portfolio risk, and end-to-end automation to help institutions say yes faster, at lower cost, with sharper control of risk.
– The Forrester Wave™: Digital Banking Processing Platforms, Q4 2024
One Connected Platform. Every Stage of Commercial Credit
Comprehensive, composable lending onboard to recover, on a single data set.
Every commercial product sits on one book across every entity, currency, and channel. Configure and evolve each stage as your borrowers grow.
- Onboard: Digital, multi-channel capture with e-KYC and deal structuring
- Originate: Automated underwriting, scoring, and policy-driven decisions
- Disburse: Multi-currency, multi-tranche facilities with collateral linkage
- Service: Flexible repayments, interest handling, and contract management
- Monitor & Collect: Live covenant surveillance, breach alerts, early-warning signals
- Renew & Restructure: Reviews, rescheduling, payoff, and NPA management
Westpac NZ consolidated corporate and commercial lending on Finacle, migrating term loans, syndicated facilities, trade finance, agency business, limits, and collateral off a 38-year-old mainframe onto a single core. The platform delivers multi-currency processing, RFR-based pricing, SWIFT-integrated payments, and real-time corporate alerts a full-stack transformation completed in 24 months across five phased releases, with BS11 compliance built in and mainframe decommission underway.
Advanced Architecture
Fundamentals for zero trade-offs between speed and control.
RAKBANK modernized SME onboarding with Finacle, enabling fully digital account opening, instant IBAN issuance, automated KYC and blacklist screening, and multi-channel API integration delivering speed, compliance, and scale, with more than 50% of customers now onboarding digitally.
Analyst Recognition
IDC MarketScape: Worldwide corporate loan lifecycle management 2025 vendor assessment
- Finacle provides customers with a wide range of functionalities, to support even the most sophisticated lending business
- The portfolio coverage is wide, and the composable architecture enables Finacle to tailor the solution to meet the customer’s needs
- Finacle has adopted all innovative technologies, including AI and GenAI, and confirms its willingness to stay at the forefront of innovation
- AI and ML are widely utilized in the Finacle Digital Lending solution, which leverages the Finacle AI Platform with an extensive library of pre-built AI use cases. These include AI-powered limit re-evaluations for corporate customers, 360-degree corporate transactions analysis and dynamic lending, and non-performing assets (NPA) predictions
UnionBank built the Philippines' first unified MSME platform on Finacle, combining banking and non-banking services, fintech ecosystem partnerships, and knowledge and networking tools for small businesses onboarding 40,000+ MSMEs, adding 10,000+ new accounts, and generating PHP 800 million in deposits and PHP 3.6 billion in loans.
Value at Every Stage
Measurable impact across the commercial lending lifecycle
Originate faster, serve efficiently, and manage risk with confidence - across every product, entity, and channel.
- For the relationship - One platform, working capital to complex multi-entity structures. No switching
- For the borrower - Funding at the point of need, any channel or currency
- For operations - New products in weeks, not months. Scale volume without scaling headcount
- For risk - Early warning signals and continuous underwriting. See risk the day it moves
- For IT & product - Configure products, workflows, and policy, don't code and reach faster to market
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