Closing the gap in loan origination with embedded bridging loan calculators

Challenge

Our client’s existing loan origination system did not include functionality to calculate bridging loans, which created a gap in its lending process. The assessment team had to rely on separate Excel spreadsheets to perform the necessary calculations. This method was time-consuming, prone to manual errors, and disconnected from the main system, meaning data often had to be re-entered. As a result, the process lacked efficiency and consistency, and the absence of a built-in solution limited the organisation’s ability to process bridging loans seamlessly and at scale.

Solution

To address this gap, 9X5 Consulting developed and embedded purpose-built bridging loan calculators directly into our client’s Financial’s loan origination system. Designed using OutSystems and supported by API integration, the calculators delivered precise, real-time calculations without the need to switch between platforms. A configurable administration panel was introduced, giving our client’s Financial’s internal teams the flexibility to update calculation parameters on demand, ensuring the tool remained accurate and compliant with evolving lending policies. By aligning the calculators with the organisation’s existing workflows and data sources, the new solution created a single, centralised process for managing bridging loans from application to approval.

Impact

The introduction of the new bridging loan calculators streamlined the loan assessment process, significantly reducing the need for manual intervention. More bridging loans could be processed directly through the system, with improved accuracy and faster turnaround times. By integrating the calculators into the loan origination workflow, our client enhanced both operational efficiency and the overall broker and customer experience.