Consumer Lending Made Easy

We developed an innovative loan decision and pricing module to compete with high-end and/or higher-cost legacy systems. Our product stands apart in pricing, adaptability and usability, with the added ability to run online with your own web portal. Our system will hedge Fair Lending risk by consistently approving loans with our wide range of product settings and features. Pick the software solution built by professionals in the industry, with community lenders, and made for institutions who demand more than in the box lending. 

We are 100% made in the UNITED STATES by US programmers subjected to background, credit checks, and confidentiality agreements. Our software is built using industry standard secure coding guidelines. All staff, owners, and contractors are US-based. Ask our competitors if they can make the same claim. Do you really want the risk your software was made by third-parties in foreign countries? 

Features

Maintain An Edge

Our lending platform was built from the ground up with community lenders to provide a flexible platform to empower your institution to meet its community’s credit needs, while considering the bottom line. Our systems can reduce paper waste, increase productivity, and help you create universal Bankers!

Secure Online Platform

Promote up time and reduce IT costs. There is no local installation required. Your lenders will have the freedom to access and manage the software from anywhere!

Fair Lending Made Easy

Our system provides a series of system controls to create credit policy, pricing and underwriting, and consistently enforce rules resulting in reduced to eliminated Fair Lending risk. Our system cannot make a decision based on prohibited information and any override will be clearly flagged, approved, and tracked to provide instant oversight.

Go Beyond Credit Score

Your customer is more than a score and your lending should be too! Our system allows thousands of combinations per product to consider multi factor credit requirements, tiered factors, and matrix decision processes all within a single product. You can use a score in your pricing or exclude it all together.

Save Money

With your consumer loan portfolio and profitability in mind, we created an alternative to legacy systems or big providers. We will match or beat any similar system (if you can find one that offers what we do). Our license tiers, unlike other provides, allow you full access to our platform without restricting any features or benefits because of your size. We further promise a wide variety of enhancements to Credalzyer, as we improve the product your version will be updated.

Faster Decisions

Take the universal Banker approach! Our system allows even inexperienced staff to generate consumer loans like pros, with real time oversight. You can run a loan from application to approval within minutes, whether in person or over the phone. Complete your file at the branch or on the go with any mobile device.

Pipeline Management

View, manage, and approve loans online. Our system includes an internal notification system to streamline an entire loan process. Notify a manager for an over limit approval, send notification that a file is ready for document preparation and manage loans queued to prevent compliance issues.

Desktop & Mobile

Control access to authorized devices by creating an authorization listing to allow access offsite. Credalyzer is designed to run on all mobile devices, tablets, laptops or desktops without the need to install an application. If you have internet and a web browser, you're in business!

Lending getting in the way of your golf game? Approve an over limit request from your mobile phone or review a deal.

Need to remove an employee? Your administrator can login, remove users, reset passwords, or change lending limits instantly.

 

 

Our prices

Flexible Platforms for All Sizes

All platforms from the smallest to largest have the same user features and capabilities. We do not require the purchase of additional licenses to obtain additional features. Annual License fees apply to tier purchased and not charged per user account. We have complete software platforms starting at $7,500.00 a Year plus a reasonable startup fee. Tiered License fees are based on user size, loan volume, or asset size. Speak with your representative for details about the right fit for your institution!

High Performing Lender

Designed for intermediate consumer lenders with 5-10 branch locations statewide.

Request a Quote
25 User Profiles Included Loan Officer, Processor, Admin, Super Admin, and view only
Annual License + unlimited applications + a one-time start up fee
2-10yr term

High Powered Community Lender

Designed for 3-5 branch operations or over 500 Applications per year.

Request a Quote
20 User Profiles Included Loan Officer, Processor, Admin, Super Admin, and view only
Annual License Fee + a one-time start up fee
2-10yr term

Loan Assistant

Community Lender module designed for 1-2 branch operations with under 500 applications per year. Limited number of profiles.

Request a Quote
10 User Profiles Included Loan Officer, Processor, Admin, Super Admin, and view only
Annual License Fee + a one-time start up fee
2-10yr term

Pay As You Lend

Best for Small Institutions with under 120 applications per year

Request a Quote
5 User Profiles Included $120 per year for each additional User
Lower Annual License + Per Application Fee + a one-time start up fee
Year by Year No Minimum Term

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Our clients

“Our sister company Edwards and Associates LLC has serviced Community Banks for over 20 years! We our committed to your success and this software is an extension of our service to you!”

Our lending platform was built from the ground up with community lenders to provide a flexible platform to empire your institutions to meet its community’s credit needs, while considering the bottom line.

Community Lenders

“Our Founders Club consists of the original institutions using our beta software. We would like to thank them for their support and help in developing this platform!”

Our lending platform was built from the ground up with community lenders to provide a flexible platform to empire your institutions to meet its community’s credit needs, while considering the bottom line. We are building the future in Banking Software!

Our Founders Club

Our team

We Made Fair Lending Easy

We answer when you call and contact any of our team, including the owners directly. We provide personal service in our consulting business as well as our software company.

Joe Ersinghaus

Software Architech and Lead Developer

10+ years in web application development, programming, and database infrastructure. Full Stack Developer

A. Marcus Valen, MACCT, CIA

Principal and Senior Project Manager

9+Years in Banking, Audit, Compliance, Software Design, and IT. B.B.A Accounting, MACCT Masters of Accounting, IA, and Certified Internal Auditor marcus@credalyzer.com

M. Scott Edwards, CPA

Principal and Lead Advisor

Owner of Edwards And Associates LLC, 20+ Years in Banking, CPA, and Bachelor's Degree in Accounting from University of Arizona

Abel Sanchez

System Architech and Engineer

IT Auditor, 13+ Years Exp, IT Manager, and Bachelors Degree in Computer Science. admin@credalyzer.com

Ian Strascina

UX Design and Lead Data Modeling Architect

8+ Years Exp. in Web Application Development and Masters and Bachelors Degree in Computer Science

Sabrina Rojas, C.B.C.O

Chief of Marketing, Sales, and Training

8+ Years Exp. Compliance, QCR, IT & Administration Positions Held Associate ETA Education & Professional Designations ICBA Certified C.B.C.O Marketing@credalyzer.com