SMEloan Hong Kong Limited

45/F The Lee Gardens
33 Hysan Avenue
Hong Kong
ph: 852-21107338
fax: 852-21109733

Our software

To implement a successful account receivable financing product would require the support of an effective application software. SMEloan has developed two application softwares to support the cash flow lending and account receivable factoring products:

  • Cash flow lending - the "Regulator"
  • Account receivable factoring - the "Facilitator" 

  • Cash flow lending - the Regulator

    SMEloan Regulator is built on five distinct modules that address the total lending process. Taken together, they create a harmonious whole, a comprehensive, high-tech, highly efficient formula for success in the SME lending business. From appraising loan requests to underwriting, managing and servicing them, SMEloan Regulator is the future of financing.  

    Application Module

    SMEloan's Application module is ideal for financial institutions planning to offer standard loan products to targeted SME markets. It allows you to standardize and speed up the business of reviewing and underwriting loans, while maintaining complete control of risks. It also leaves you the flexibility of modifying loan application content, format and criteria. And with the Application module, you extend your distribution channel, providing online loan applications to selected SMEs.  

    Communication Module

    SMEloan's Communication Module allows SMEs to manage their accounts and submit up-to-date business information online. The continual communication helps SMEs organize their accounts and manage their cash flow and their business effectively.

    Risk Module

    SMEloan's Risk Module filters the business information provided by SMEs, automatically identifying problem accounts for review and follow-up. The module enables your risk-management department to track the performance of SMEs, spotlighting those showing deteriorating financial health. The module also identifies potentially fraudulent activities for further investigation. By focusing on potential problem accounts at an early stage, you can take the necessary action to prevent losses.

    Collateral Module

    SMEloan's Collateral Module automates the process of evaluating an SME's collateral on a continuing basis. Collateral includes accounts receivable, equipment and real estate. The module enables risk-management departments to oversee a variety of collateral types, evaluating them by quality and quantity and in any currency.  

    Loan Module

    SMEloan's Loan Module automates the business of managing and servicing multiple loans in any currency. It allows financial institutions to set the price for their products and automate daily loan activities.

Account receivable factoring - the Facilitator

In addition to the cash flow lending application software, SMEloan has an innovative state of the art factoring software application – the “Facilitator”.

We believe that:

Financial institutions should use lending software that are simple to install and use.

  • Financial institutions should use lending software that give them the flexibility to offer simple and/or complex lending solutions to their customers.
  • Financial institutions should use lending software that have the lowest total ownership costs
  • Financial institutions should have the choice of owning the software and changing the software the way they like to meet their unique business requirements without having to constantly paying for enhancements.

It is based on this belief that we are introducing our factoring software, the “FACILITATOR”, to financial institutions.

Our unique features include :

Highly Flexible

The Facilitator allows you to offer simple single currency invoice discounting or complicated receivable financing products that demand tailored made pricing and/or financing terms in multiple currencies.

Automated identification of past due and risk customers’ buyers

The Facilitator has a configurable rule engine that allows you to automatically identify past due and/or unusual customers’ buyers for prompt follow up and actions, eliminating the need to go through tediously receivable aging reports. This will also allow you to eliminate credit risks before it is too late.

Automated identification of risky customers

The Facilitator has a configurable rule engine that allows you to automatically identify unusual customers for prompt follow up and actions, eliminating credit risks before it is too late.

Our factoring software also produce extensive business and portfolio risk trend reports. You will have complete control of your factoring operations right at your finger tip.

 

 

Copyright 2007- 2008 SMEloan Hong Kong Limited. All rights reserved.


45/F The Lee Gardens
33 Hysan Avenue
Hong Kong
ph: 852-21107338
fax: 852-21109733