ScortoTM eLender

A turnkey solution for the online lending

business

Since 2002. Scorto Corporation. .

ScortoTM eLender

Customers are becoming reluctant to apply for loans at

the banks branches. Demand for online lending services
is growing at a fast pace.
Scorto has used its experience in credit risk management
and automated decisioning systems to design eLender,
a platform for intelligent online lending and cash
advance services. This is a turnkey solution, specifically
developed for the Internet lending business.

This system is
sufficient to facilitate
the entire lending
cycle: from loan
origination and credit
line management,
to debt collection
and compliance
with regulatory
requirements.

Since 2002. Scorto Corporation. All rights reserved.

ScortoTM eLender

Online lending process consists of the following stages:

Customer enters their data and desired amount

System calculates optimal loan parameters

Customer signs an agreement

Loan is disbursed to a client

Customer repays the loan

eLender provides technological base for each stage:

Customer enters their data and desired amount
Secure method of receiving data through the Internet

System calculates optimal loan parameters

Multi-dimensional borrower evaluation using analytical models

Customer signs an agreement

E-documents and disclosures generation

Loan is disbursed to a client

Automatic funds disbursement

Customer repays the loan

Automatic payment receipt, credit line management, delinquency management

Since 2002. Scorto Corporation. All rights reserved.

ScortoTM eLender
This simple and elegant scheme of online lending is made possible through:

Integrated scoring models for borrower evaluation;

Automated loan parameter calculation, underwriting, credit line management;
Risk-based delinquency management with automated notifications and charges.

eLender operating mechanism

eLender
Application
processing

Underwriting:
Automated
Manual
Hybrid

Instant funds
disbursement

Automatic
payment receipt

Delinquency
management and
debt collection

Secure method of
receiving data
through internet

Data verification

Terms
of Credit

E-documentation

Automatic
repayments

Delinquencies
monitoring

Risk assessment

Repayments
scheduling

Disbursement

Portfolio
analysis

Collections &
recoveries
processes

Borrower
segmentation

Banks and/or
Payment
Systems

Internal
Databases

Credit Bureaus

Public Information
Providers
(addresses, phone
numbers, etc.)

External
databases

Data storage

Software of the
lending
organization

eLender does not require any specific skills, while at the same time provides functionality for advanced risk
management.
During deployment eLender is adjusted to perform according to customers vision and risk appetites.
Business users can easily manage decision flow, modify scoring models, credit policy, reporting mechanism and
method of credit line management.

Since 2002. Scorto Corporation. All rights reserved.

ScortoTM eLender

eLender provides precise, swift and transparent

online lending mechanism:
A complete online application processing system which includes credit scoring, reporting and payment
disbursement solution.

Comprehensive decision and workflow automation customized specifically to clients requirements and
vision. This includes automatic approvals and rejections, automatic payment distribution, and automatic
report generation.

Integrated engine for scoring models development and validation;

Conversion of e-docs and disclosures;
Loan monitoring and early warning system for loan portfolio.
Hardware and web hosting is provided with sufficient bandwidth to process 10,000 applications per day;
Protection from application fraud and bad loans.

Entrepreneurs: start up an online lending business within

a few days.
Lenders: add the Internet channel to your service offering
and acquire high-value customers with minimum exposure to
financial risks.

Since 2002. Scorto Corporation. All rights reserved.

ScortoTM eLender

Scorto Corp. Global Locations

Scorto Americas:

Scorto Sub-Saharan Africa:

Scorto Austria:

Scorto Asia Pasific:

10870 N Stelling Rd, 54A,

Cupertino, CA 95014
Tel: +1 (888) 864-42-80
Email: contacts@scorto.com

Getreidemarkt 14/15, A-1010

Wien, Austria
Tel: +43 (1) 229-71-15
Fax: +43 (1) 253 672-218-65
Email: contacts@scorto.com

Scorto Cyprus:

Kennedy, 8, office 101,

P.O. 1087, Nicosia, Cyprus
Tel : +357 (22) 36-67-77
Fax : +357 (22) 36-67-78
Email: contacts@scorto.com

Scorto Russia:

19, Leninskaya Sloboda st.

Business Center Omega Plaza
Moscow, Russia 115280
Tel/Fax: +7 (495) 669-00-15
Tel: +7 (495) 989-85-65
Email: sales@scorto.ru

Scorto Middle East

and North Africa:

Reef Tower, Sheikh Zayed Road

Dubai, United Arab Emirates
Tel: +971 (44) 56-30-96
Email: contacts@scorto.com

Scorto CIS Countries

and R&D Center:

11/13 Yaroslvskaya Street

Kharkiv, Ukraine 61001
Tel: +380 (57) 712-18-88
Fax: +380 (57) 712-18-98
Email: contacts@scorto.com

Since 2002. Scorto Corporation. All rights reserved.

P.O. Box 100274 - 00101

Nairobi, Kenya
Tel: +254 (20) 269-39-14
Email: contacts@scorto.com

#2605, Island Place Tower,

510 Kings Rd, Hong Kong
Tel/Fax: +852 (8) 175-00-40
Email: contacts@scorto.com

Scorto Singapore:

10 Anson Road, #26-04 International Plaza,

Singapore 079903
Tel: +65 (3) 158-28-68
Email: apac@scorto.com

Israel:

132 Menachem Begin Boulevard

Azrieli Towers Tel Aviv Israel
Tel: +972 (3) 695-97-63

Southern, Central,
and Eastern Europe:
164, A. Syngrou Avenue
17671, Athens, Greece
Tel: +30 (210) 920-90-00
Fax: +30 (210) 921-43-56