Complex web applications
Lending platforms and loan management systems
From an online loan application to repayment settlement. We build the technical side of the platform so the process is fast for the customer and orderly for your team.
What we can do for you
Application and verification
Online forms, identity and document verification and integrations with external data sources.
Scoring and decisions
Application assessment rules, supported by machine learning models where useful, with a record of the data and rules behind each decision.
Contracts and schedules
Document generation, e-signatures and automatic repayment schedules.
Payments and collections
Posting payments, reminders, interest calculation and handling arrears.
About this service
Building web applications is our everyday work. We build ERP and CRM systems, SaaS platforms, portals and client panels, inventory systems and booking platforms: applications with user roles, integrations and large volumes of data.
We work iteratively in PHP (Laravel), Python, React, Angular and Node.js, with emphasis on security, tests and the ability to extend the system for years.
Why Cormo
Fast decisions
Automation shortens the time from application to payout.
Full audit trail
Every decision and change is recorded, which helps control and reporting.
Data security
Encryption, roles and access control, following practices aligned with ISO/IEC 27001.
Technologies
- Laravel
- .NET
- React
- PostgreSQL
- MySQL
- Redis
- RabbitMQ
- REST API
- Python
Experience you can rely on
Complex web applications are our everyday work: systems with roles and permissions, integrations and large volumes of data, developed iteratively. We work within an information security management system aligned with ISO/IEC 27001.
We work in line with ISO/IEC 27001
Data security is part of our process, not an add-on at the end of a project.
How we work
- 01
Meeting
We learn the business goal, the users and the project constraints.
- 02
Estimate
We settle the scope, a first estimate and a schedule.
- 03
Delivery
We design, build and test in short iterations.
- 04
Support
We deploy, monitor and evolve the solution after launch.
Estimate calculator
Estimate your project in 2 minutes
Answer a few questions and we will prepare a first estimate and send it to your email. No strings attached.
See also
ERP and CRM systems
A system that knows your processes: from quote through order and warehouse to invoice and after-sales. Without features you never use.
SaaS platforms
We help turn an idea into a product customers pay a subscription for. From an MVP that tests the market fast to an architecture ready for growth.
Portals and client panels
Give clients and partners access to orders, documents and statuses without calls and emails. Your team saves time, customers gain convenience.
Inventory systems
Stocktaking without spreadsheets and paper lists. Employees scan codes with a phone while the system compares actual stock with the records in real time.
Lead generation platforms
Collect inquiries from many sources, score them and route them to the right sales reps or partners. Everything runs in one system with performance reports.
Frequently asked questions
What exactly do you build as part of a lending platform?
We build the technical platform: the application form, customer registration and verification, application workflow, repayment schedules, an operator panel, notifications and integrations with a bank or payments. We deliver code, documentation and a working environment that belong to you. We do not provide legal services or take responsibility for the loan business model. How the financial product works is up to you, and we turn it into software.
How does building a lending platform work and how long does it take?
We start by writing down the process: from application through verification and decision to payout and repayments. Then we design screens and rules and build the platform iteratively, with demos every few weeks. Duration depends on the number of process steps, integrations (bank, payments, registers) and calculation rules. You supply the legal requirements that affect the process, together with your legal adviser, because changes to them can shift the schedule.
What determines the price of a lending platform?
The price is affected by the complexity of calculation rules (installments, interest, schedules), the number of integrations with banks, payments or verification tools, the scope of the operator panel and reports, and security requirements. We estimate after analysis, splitting the scope into modules. It is sensible to begin with the basic application and repayment flow and add more advanced features later, once the product is running.
Who is responsible for legal compliance, licensing and the KNF?
Legal and regulatory matters are the responsibility of the client, ideally together with a legal adviser. That includes whether you need a license or registration, consumer credit law, data protection and contact with the Polish Financial Supervision Authority (KNF). Cormo builds only the technical platform, so we do not advise on these matters. We will gladly implement in the system the requirements you pass on, such as document wording, consent storage and event logging.
How do you protect financial and personal data on the platform?
Financial and personal data are especially sensitive, so we use encrypted connections, role-based permissions, logging of key operations and regular backups. Our security approach is aligned with ISO/IEC 27001. After launch we offer maintenance, meaning updates, monitoring and fixes. The code and documentation belong to you, so you can develop the platform further with us or with another team. We limit operators’ access to the minimum needed for their work and record who used it and when.
Get in touch
Tell us about your idea
Describe what you need. We will reply with a proposal for the next steps.