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Credit decisions you can defend.

One place to assess, approve, monitor and recover loans, with the evidence behind every decision.

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Sevicred OS dashboard showing the application pipeline, performance, early warnings and team tasks using synthetic demonstration data.
One connected workspace. From application to recovery. Synthetic demonstration data.
  • People decideFinal calls stay with a person.
  • Evidence on every valueEvery figure links to its source.
  • Tenants kept apartEach lender’s data is isolated.
  • Append-only auditHistory is never rewritten.

From first application to final recovery.

Every stage change records who acted, why and under which policy.

  1. IntakeBorrowers, connected parties and applications
  2. AssessmentSpreading, ratios, scorecards and the credit memo
  3. ApprovalVersioned policy, authority and maker-checker
  4. ConditionsDocuments, collateral, security and waivers
  5. ClearanceA gate that names every blocker before funds move
  6. MonitoringRepayments, days past due and early warning
  7. RecoveryDefault, workout and recovery with evidence packs
A lending officer and business owner reviewing an application together
THE PEOPLE BEHIND THE NUMBERS

More clarity for every credit conversation.

Bring applications, financial evidence and reviewer findings together. Give your team the context to ask better questions and make informed decisions.

Explore Sevicred

Everything a credit team needs.

Credit assessment

Spread financials, score with versioned scorecards and write a reviewed credit memo.

  • Spreading
  • Scorecards
  • Credit memo

Policy, approval and authority

Versioned rules and approval limits. Self-approval is blocked.

  • Maker-checker
  • Waivers
  • Simulation

Conditions and disbursement gate

Funds stay blocked until every mandatory condition is met.

Collateral and verification

Security, valuations, insurance and registry checks.

Monitoring and early warning

Repayments, days past due, covenants and alerts with an owner.

Default, workout and recovery

Everything for a recovery case in one place, with a readiness score that shows what is missing.

  • Readiness
  • Counsel access
  • Workout

Portfolio, reports and audit

Exposure and concentration limits, with audited exports.

  • Concentrations
  • Stress tests
  • Audited exports
A collateral officer and entrepreneur inspecting factory equipment
PROTECTION THROUGH THE LIFECYCLE

Keep the whole facility in view.

Connect collateral, valuations, conditions and monitoring. See what is missing, what needs review and who owns the next action.

See the lifecycle

AI drafts and flags. People decide.

Every AI output is labelled, linked to its source and reviewed by a person.

How we keep control

It may

  • Extract and classify documents and statements, with page or row provenance
  • Flag anomalies, missing data and contradictions
  • Suggest connected parties for a person to confirm
  • Draft summaries and memos that cite their sources

It may not

  • Approve or decline credit
  • Decide legal enforceability or collateral priority
  • Start enforcement or settle a claim
  • Present an inference as a verified fact

Everyone sees only what their role allows.

  • Credit Officer
  • Relationship Manager
  • Credit Manager
  • Risk Manager
  • Legal Officer
  • Compliance Officer
  • Collateral Officer
  • Operations Officer
  • Collections Officer
  • Recovery Officer
  • Finance Officer
  • Executive
  • External Counsel
  • External Valuer
  • Tenant Administrator
  • Borrower Portal User

See it around your lending operation.

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