About
Dulcet Holding - Business Lending and Leasing
The business lending process is often associated with manual tasks, paperwork, and a high turnaround time. However, in a post-pandemic world, where there is increased focus on digital transformation, intense market competition, stringent regulations, and high member expectations, financial institutions need to transform their business lending processes.
They need to streamline the process to deliver a superior member experience, disburse and approve loans quickly, and increase scalability, efficiency, and profitability.
Key Highlights
Accelerated Loan Disbursement
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End-to-end management of lending process
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Built-in document management system for easy information access
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Straight-through/no-touch/low-touch loan disbursements through the rules engine
Support for Various Types of Lending,
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Business Loans: Equipment term loan (new, used, and refinance), secured loan (term loan, line of credit, etc.), unsecured loan (term loan, line of credit, and overdraft), loans secured with credit union assets-cash/cash related securities, etc.
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Business Mortgages
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Agriculture Loans: Term loan, line of credit, mortgages, etc.
End-to-end Process Automation
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In-branch and online application initiation with data and document collection
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Underwriting
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Decisioning (approval workflow)
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Communication to member
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Documentation and processing
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Closing and loan booking
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Document generation
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Standard/advanced spreading capability
Solution Features
Multi-channel Application Intake
Enable members to apply for loans online, in-branch, or via call center. And allow them to save/resume applications from any channel along with cross channel support
Easy Information Extraction and Gathering
Collect information from core banking systems, web portals, and other channels. Also, extract information from members' identity documents
Intelligent Loan Underwriting
Facilitate comprehensive credit analysis per client needs, including financial information, credit profile, ratios, etc.
Real-time Tracking and Reporting
Gain 360-degree visibility into the lending cycle, trends, exceptions, and more with a dynamic dashboard and reporting engine