Finance for
everyone.
Our platform gives banks, financing companies, and other small business lenders access to the most sophisticated technology in the market for underwriting, originating and servicing for their clients.
The Value of Pahiram
Legacy Systems
Origination
Manual, offline, limited options for customers
Omni-channel, customers can apply and access information 24/7 via web
Credit Information
Static, limited sources
Fully digitized, new inputs, real-time information including cashflow
Underwriting
Manual, expensive, slow
Automate as much of the underwriting process as you choose; seamlessly channel applicants according to customizable criteria
Monitoring
Manual, reactive, generally restiricted to periodic reviews only
Perpetually updated with real-time information; set triggers to proactively reach out to accounts that are in trouble or that qualify for new products
Our Products
Products built and managed through the Pahiram system
Cash-on-Demand
Cash on Demand enables financial institutions and organizations to offer convenient, safe, and secure salary-deducted loans to employees of SMEs and Cooperatives for unexpected and important expenses through a user-friendly platform.
Negosyo
Perfect for small growing enterprises and startups. Our mission is to provide alternative financing options to help you grow your business. We offer Term Loans and Credit Lines to help support what your business needs.
Do you have other lending products in mind?
Application Processing
Pahiram offers a variety of ways to receive applications, including a white-label Customer Portal that can be integrated into your website. Our platform then supports every step of the underwriting and origination process.
Underwriting & Product Management
With Pahiram you have the power to create and manage your own products, apply your own automation rules, and control pricing and credit policy.
Servicing and Collection
Pahiram supports all aspects of loan servicing and portfolio management, from funding loans, to collecting payments, to handing special situations, to overseeing and reporting on your entire loan portfolio.
Monitoring
Our platform also offers the ability to monitor the financial and credit health of each borrower, providing you with advance notice at early signs of trouble or suggesting which borrower may be eligible for renewals or additional products.