Industries / Specialist Lending

Specialist Lending Software for Consumer and Commercial Finance

Whether consumer or commercial, personal loans or mortgages, Soar provides the flexible infrastructure specialist lenders need to manage their entire lending operation from a single platform.

The Challenges Specialist Lenders Face

We work with lenders who have outgrown their platforms. The lending products have evolved, but the technology hasn't kept pace.

Inflexible Legacy Platforms

Your current system was designed for one type of lending. As your product range has grown, you’ve been forced into workarounds, bolt-ons, and manual processes to make it fit.

Manual Processes for Complex Structures

Complex loan structures mean complex administration. Multi-tranche facilities, bespoke repayment schedules, and covenant tracking shouldn’t require spreadsheets and manual calculations.

Difficulty Scaling Without Adding Headcount

Every new loan product or portfolio expansion means more manual work. Growing your book shouldn’t mean proportionally growing your team.

Consumer and Commercial Lending, One Platform

Soar is built to handle the full spectrum of lending products. No more separate systems or manual workarounds.

Consumer Lending

Deliver a modern borrowing experience for personal loans, credit products, and affordability-assessed lending.

Member-facing portals with self-service applications
Automated decisioning with configurable credit policies
Open Banking integration for real-time affordability
Automated payment collection and reconciliation
Mortgage lending with long-term servicing and compliance tooling

Commercial Lending

Manage complex business lending products with the sophistication your commercial operations demand.

Business loans, asset finance, and development finance
Complex loan structures and multi-tranche facilities
Bespoke repayment schedules and covenant tracking
Comprehensive security and collateral management

How Soar Handles Complex Lending

Most lending platforms force you to choose between flexibility and automation. Soar was built to deliver both.

Our platform is product-agnostic by design. Rather than prescribing how your lending products should work, we give you the tools to configure any loan type, any repayment structure, and any decisioning workflow. Your lending rules, automated on your terms.

As your product range grows, the platform scales with you. New loan products are configured, not coded. That means faster time to market and less dependence on development resource.

Key Capabilities

Configure any lending product, from straightforward personal loans to complex multi-tranche commercial facilities
Automated decisioning with Experian, Open Banking, and your own credit policy integration
Support for any repayment structure: interest-only periods, balloon payments, stepped repayments, and bespoke schedules
Smart arrears tracking with automated borrower communications and escalation workflows
Built-in regulatory compliance tooling and automated reporting
Real-time dashboards and portfolio-level management reporting
90%
Reduction in Processing Time
100%
Regulatory Compliance
70%
Faster Loan Decisioning
24/7
Borrower Self-Service
ISO 27001:2022 certified. Hosted on UK AWS infrastructure. Your data stays in the UK.

See How Soar Supports Specialist Lending

Book a demo and we'll show you how Soar can streamline your lending operations. Whatever your product range, we'll demonstrate how our platform adapts to your needs.

Flexible lending technology for consumer, commercial, and mortgage operations