A Full Lifecycle Loan Origination Platform

Streamline loan origination, servicing, and collections with Noema.loans360 — a modern, SAP-powered solution that gives you a 360° client view, predictive insights, and automated workflows.

Originate

Originate

Evaluate

Evaluate

Manage

Manage

Service

Service

Analyze

Analyze

Comply

Comply

Key Functionalities

Your loans, your process. With a unified 360° view and automated workflows, ensuring transparency, compliance, and complete control over your lending operations.

360° Unified Client Database

360° Unified Client Database

All client, financial, legal, and risk data in one place, eliminating duplication and errors.

Workflow-Driven Automation

Workflow-Driven Automation

80+ pre-built workflows to manage origination, servicing, and collections seamlessly.

Centralized Document Management

Centralized Document Management

One secure location for all loan-related documents with full traceability.

Real-Time Dashboards & Analytics

Real-Time Dashboards & Analytics

Interactive dashboards to monitor operations, credit risk, and compliance KPIs.

Predictive Analytics

Predictive Analytics

SAP Analytics Cloud powers advanced forecasting and decision-making.

Responsive UI/UX

Responsive UI/UX

Modern design accessible on desktop, mobile, and apps.

Process Overview

1 Onboard Applicants – via branch, agent, or digital channels.
2 Automated Evaluation – scoring, decisioning, and risk profiling.
3 Contract & Servicing – manage disbursements, amendments, or pre-payments.
4 Collections & Restructuring – late payments, penalties and defaults.

Capabilities & Technology

Powered by SAP BTP

Powered by SAP BTP

Integration-ready, flexible, and scalable.

Secure by Design

Secure by Design

Audit trails, compliance, and role-based access.

End-to-End Coverage

End-to-End Coverage

Origination to servicing to collections.

Enterprise Grade

Enterprise Grade

Proven across financial institutions in MENA & Europe.