Lower total cost of ownership
Pre-integrations, automation, and simplified maintenance reduce operational effort, minimize custom development, and lower long-term technology expenses, delivering a significantly improved total cost of ownership.
Innovative lending solutions for business growth
Design, build, and enhance the lending experience with cutting-edge solutions that drive growth. Deliver superior customer experiences with our leading SaaS solutions, managing credit and operational risk throughout the loan lifecycle. Our comprehensive, flexible software supports all types of lending needs. Accelerate time to market, automate processes, and create agile workflows to streamline loans from origination to debt collection.
Highlights
Built on experience, strengthened by global insight
SBS Core Lending is built with decades of experience across a variety of global lending markets and shaped by long-standing client relationships and deep market understanding. Our experts support institutions as they adapt, evolve, and establish long-term strength in their lending operations.
- -40
Operational costs in France
SBS Lending Suite provides pre-integrations across components and external providers, simplifying setup, reducing manual work, accelerating deployment, and cutting back-office operational costs.
- 80
Of tier-1 French banks
Adoption by top French banks demonstrates our platform’s trustworthiness, while its modular, scalable design makes it perfectly suited for tier‑2 to tier‑4 institutions.
- 5
Units processed annually
SBS Wholesale Finance supports over 30,000 dealerships across 30 countries to manage their floorplan portfolio management, onboarding, servicing, and auditing operations.
- 25
UK mortgages supported
With 30+ years in the industry, SBS Core MSS supports 50% of UK Building Societies to manage their mortgage books exceeding £390 billion.
Benefits
Shaping smoother lending journeys from start to finish
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Bring products to market faster
Effectively launch product updates, new products, and lending capabilities with rapid time-to-market, improving customer satisfaction and increasing acquisition.
Operational resilience and performance
Delivering resilient, high-performance end‑to‑end financial operations with secure, scalable architecture. Ensure consistent service continuity, enhanced efficiency, and seamless digital experiences across lending.
Enhance and personalize journeys
Orchestrate data‑driven, real‑time journeys using segmented profiles, automation, and decisioning to deliver tailored offers, and measurable lift in engagement and conversions.
SBS Core Lending
Backed by outcomes that only regional excellence can deliver
Regional lending demands bring their own rules, pressures, and expectations. SBS Core Lending is built to respond to these challenges. Flexible architectures and deep local insight help institutions navigate and adapt to evolving regulation and customer expectations.
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Proven European lending leadership
SBS supports leading European institutions with lending suite capabilities proven at scale, strengthening efficiency, compliance, and operational resilience across diverse, highly regulated markets.
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Trusted lending expertise in MEA
With global-ready solutions trusted across MEA, SBS enables institutions to expand confidently, modernize lending operations, and navigate rapidly evolving financial environments.
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Multiple industries in United Kingdom
UK lending landscape influence includes enabling substantial mortgage books and powering high-volume wholesale finance activity that strengthens the stability and efficiency of lenders nationwide.
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Rapid growth within United States
Driving extensive wholesale and floorplan activity that empowers tens of thousands of dealership locations with industry leading digital audits, reducing risk and increasing portfolio visibility.
Made to meet lending needs, whatever they are
Decades of experience has provided a deep understanding of the challenges institutions face and grounded product solutions to withstand the evolving needs of modern lending. SBS lending solutions help clients face complexity, stay focused, realize stability, and prepare for new challenges and opportunities ahead.
AI-powered collections & recovery
Advanced collection strategies powered by AI, combined with structured recovery workflows, help financial institutions improve cash flow, reduce deliquencies, and strengthen risk control. By centralizing actions, automating prioritization, and supporting tailored engagement approaches, the solution boosts operational efficiency and overall recovery performance.
Smart loan lifecycle management
Comprehensive credit lifecycle management supports every stage from loan boarding to loan termination, enabling active portfolio monitoring, business‑oriented improvements, and real‑time operational controls. The solution enhances servicing efficiency, strengthens performance optimization, and ensures consistent oversight across all ongoing loan activities.
Leading asset finance solutions
Through decades of deep understanding and in collaboration with automotive and equipment finance organizations, our wholesale solution provides long-term stability to support the demands and realities of specialized asset finance markets and help navigate complexity with confidence.
Proactive market alignment
Balance efficiency, service expectations, and regulatory change with a unique, customer-centric mortgage journey that enables faster time-to-market, greater control over navigating complex regulatory requirements, and ease with responding to evolving market expectations.
Technology
Technology that moves lending forward
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FAQs
Find answers to our most commonly asked questions about SBS Core Lending.
It leverages open banking data to enhance borrower assessment and reduce default risk. It also supports open finance regulations to enable innovative models for SMEs’ digital transition, allowing seamless integration with third-party services for enriched lending offerings and embedded finance capabilities.
It enables quick adaptation to regulatory/market shifts, with built-in advanced risk assessment, fraud reduction, collateral management, and data-driven tools. Features like real-time insights, scoring, and collection strategies help mitigate default risk, ensure traceability/security, and support compliance across regions.
As a composable, API-first platform, it offers seamless integration with core systems, third-party services, and open banking APIs. Deployment is flexible (SaaS/cloud-based or on-premise with options for hybrid setups), ensuring quick implementation, low disruption, and extensibility for custom needs.
Our platform supports all major retail, commercial, and corporate credit types, from BNPL and mortgages to equipment finance, leasing, guarantees, and syndicated loans.
SBS Core Lending reduces total cost of ownership by combining pre‑integrated components, an API‑first modular architecture, and automated workflows.
This approach simplifies setup, limits custom development, modernizes infrastructure, and reduces manual operations, driving lower IT, maintenance, and operational costs across the full lending lifecycle and all geographies.
Yes, our solution is designed to quickly adapt to regulatory and market shifts while meeting evolving client needs in 2026’s dynamic regulatory environment.
We offer comprehensive risk operations including real-time analysis, scoring calculations, fraud reduction, collateral management, and counterparty risk assessment using the latest data-driven technologies.