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Loan Origination System, Modernize your lending journey

Achieve remarkable results by re-architecting lending around your customers and members.

Smart Solution LOS

Loan Origination

Universa's Loan Origination system modernizes your lending journey by simplifying and accelerating the application process. Say goodbye to outdated procedures and welcome a new era of seamless lending.

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Simplifying the loan origination process, making the customer journey efficient and hassle-free. 

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Take strategic control of fund recovery with real-time alerts and status tracking.

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Gain strategic insights into your loan origination process. 


Streamline Your Customer Journey

Loan Onboarding

With the Universa LOS system, you can take control of your onboarding, swiftly gathering applicant information, assessing eligibility, and creating loan applications within minutes. 

An advanced loan calculator is the backbone of our LOS process. Enable your team to craft different scenarios for your clients, providing them the option to decide on the loan size and schedule that best fits their needs.

Streamline your loan process


Strategic fund recover in your hands

Alerts Engine

Notify your clients automatically to ensure they are informed on upcoming payment and maturity dates.

Leave the follow-ups to our automated engine to ensure no loan is forgotten and increase the percentage of clients who pay their fees on time.


Loan Management

Understand the status of your entire loans portfolio at a glance.

Our Select Module enables the simplification of complex reporting to easily see loans that are close to maturity, delinquent, or at risk.

AI and Insights

Drive Increased Revenue From Loans

Loan Insights

Gain strategic insights into your loan origination process. Our LOS system offers a comprehensive view of your application workflow, allowing you to track and analyze key metrics for faster credit decisions and operational efficiency.

With data-driven decision-making, you can refine loan strategies, optimize workflow settings, and enhance customer satisfaction while lowering costs.

AI Loan Insights

As a growing Financial Institution we depend on Smart Solution's complete stack of infrastructure to evolve our processes and scale our client base.


We've begun using Smart Solution's UniFi Digital Banking products and our clients love them. As our existing contract for our loans platform renews, we'll be looking at Smart Solution.


Transitioning to a new banking system is difficult, but Smart Solutions team consistently goes above and beyond to provide the highest level of service to support our transition. They are respon...


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