Our Credit Engine is a comprehensive multi-lender and omni-channel distribution platform for secured and unsecured loans, powered by the additiv DFS®.

Our solution supports the whole client journey from:

  • digital client onboarding,
  • instant scoring and valuation of collateral (for example real estate, securities),
  • credit offers from multiple lenders based on their risk model,
  • servicing of the loan,
  • prospective secondary market. 
Credit Risk Engine additiv DFS.credit

On a single platform, seamlessly integrated into a
core banking or loan management system.

Our Credit solution allows banks, insurance companies and other institutions to deploy class-leading credit offerings – faster and more sustainably than anyone else, directly linked to local lending ecosystems.

The core
Credit Risk Engine

The Credit Engine enables to generate legally binding credit contracts in real-time by providing links to other ecosystem-providers.

Workflow based

Includes a workflow based back-office and CRM system.

Easily integrated

Even with existing credit environments via RESTful APIs.

Market friendly

Independent of any credit market development level.

Modules and high level features

Credit Risk Engine

The Credit Risk Engine allows the lender to set the overall risk framework as well as manage the risk appetite of the desired credit service offering.


The Origination module includes, in particular, customer onboarding, data and document capture, real-time verifications (e.g. credit scoring agencies, valuation), credit decision and contract creation with e-signature.


The Collection module ensures all relevant cash flow transactions, such as interest payments, amortizations, repayments or fees and charges.


The Credit Calculator provides an easy and efficient way for eligible borrowers to receive an instant agreement in principle with an indicative credit offer.


The Servicing module ensures and implements the actual loan utilization, the correct handling of the respective collateral as well as relevant topics from an underwriting and accounting point of view.

Lifecycle Management

Ensures all non-cash flow events post drawdown, such as renewals, record updates, collateral re-evaluations, market & regulatory changes are taken care of.

additiv hybrid wealth management software products and solutions demo

See it in action

A personal live demo, web-based or in-person, is one click away.

Discover how our DFS.Credit solutions can help your organization deploy class-leading credit offerings – faster and more sustainably than anyone else.

Contact us