• Automated generation of required reports and submission to the Central Credit Registry via predefined email addresses. 
• Automated verification of the credit history of loan applicants.

A file of credit recipients with a credit history and the option to extend the credit, make early repayments, and adjust the repayment plan.

Electronic debtor file - it can fill in multiple details about the company's debtors.

Here, various credit products and plans are defined. Each product specifies the upper and lower loan amount limits, possible loan repayment periods, type of loan installments, loan duration, interest rates, and all other components based on which a repayment plan can be automatically generated upon contract conclusion.

Every loan issued represents a contract with various parameters – client, office, employee, credit product, contract start date, end date, loan, interest rate, additional services, total amount, and repayment scheme. Once a contract is marked as signed, it cannot be changed except by creating an annex to it or changing the repayment plan, which is created as an integral part of the contract.

Registering a court case, automatically generating the documents related to the case. Automatic daily calculation of penalty interest for the case. Register of payments received and made for the case, as well as court-acknowledged ones. Distribution of payments by items.

Reflecting and tracking payments with automatic allocation to the respective loan items.

The repayment plan should be initially generated based on the signed credit contract. It includes several components – principal installment, interest, additional services (warranty), and penalty interest for unpaid installments. Each of these components can be covered by separate payments and in the following order – penalty interests, interests, principal. Depending on the credit product, the repayment plan allows the client to pay only the interest, with the principal becoming due for an additional period along with the interest for that period. If there's a delay in any installment, the system automatically adds or adjusts the penalty interest for the installment.

• Overdue amounts by due dates.
• Collected amounts by items, product type, employee.
• Expected revenues for a period.
• Client credit file.
• Report on completed payments.
• Requested/granted loans for a period.
• Client's credit modification history and more.

Tracking and recording actions related to 'soft collection' - recorded phone calls, automatically sent emails, SMS messages.

Management of extrajudicial and judicial claims: 

• Register of cases (unpaid credits) with the ability to record due dates and payments on them. 
• Electronic debtor file with the ability to input multiple data about the company's debtors.
• Ability to record actions for soft collection - conducted phone calls, automatically generated system emails, SMS messages. 
• Registration of a legal case, automatic generation of case-related documents. Ability to configure standard forms/templates for document generation. 
• Automatic daily calculation of penalty interest for the case. 
• Recording of incoming and outgoing payments related to the case, as well as judicially recognized payments. Distribution of payments by categories. 
• A set of analyses for the total amounts or payments received and made for a specific period. 
• Ability to create and update a reference base in the system with courts, bailiffs, case statuses. 
• Register of orders related to credits.

Possibility for integrations with third parties - the company's website, client portal, credit approval systems, electronic signature providers, companies providing scoring models, bulk SMS service providers, epay/easypay, and others.