v. 8.0
What is timveroOS?
timveroOS is a lending platform SDK that enables financial institutions to build and operate customized lending solutions. The platform automates loan origination, credit decisions, and loan servicing while providing flexibility for business teams to configure products, workflows, and operational rules.
Why This Matters
Lending operations involve repetitive processes (application intake, credit checks, document collection) combined with complex decisions (risk assessment, pricing, exception handling). timveroOS separates these concerns:
Repetitive processes are automated through SDK-defined Business Processes
Complex decisions are configurable through Admin Panel workflows
Exceptions route to human specialists through Warning Facts
This separation lets development teams focus on system reliability while business teams control decision logic and product parameters.
Platform Capabilities
Loan Origination
Process applications from intake through disbursement with automated credit assessment
Loan Servicing
Manage active loans including payments, schedules, and delinquency monitoring
Product Configuration
Define credit products, pricing rules, and eligibility criteria
Decision Automation
Build workflows that evaluate data and route decisions automatically
Document Management
Generate, collect, and store documents throughout the loan lifecycle
Notifications
Automate customer and internal communications
Covenant Monitoring
Track contractual obligations and trigger alerts on breaches
Configuration Layers
timveroOS separates configuration into three layers:
SDK
Development team
Entity structures, Business Process stages, integrations, status transitions
Admin Panel
Business team
Credit Products, workflows, templates, decision rules, user permissions
Operations
Daily users
Application processing, manual reviews, payments, monitoring
Key principle: SDK defines WHAT is possible and HOW it works. Admin Panel extends HOW for features that require frequent changes. Operations uses the configured system.
Documentation Guide
How does origination and servicing work?
What data structures exist? How do Business Processes differ from Workflows?
How do I configure credit products and pricing?
How do automated credit decisions work?
What tools do daily users have?
Additional Resources
Configuration procedures for business teams
Operational procedures for daily users
Technical implementation for development teams
timveroOS: Configurable lending automation
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