Neofin is an advanced cloud-based low-code solution. Our modularized (serverless) platform enables your financial institution to create full-cycle loan apps right from Neofin Control Panel. Our crucial mission is to provide a better way to create a custom loan management workflow instead of long-term projects.
We created Neofin with clients in mind, utilizing more than ten years of experience and over 120 successful digital lending projects for banks, credit unions, and financial service providers. By creating a new loan app, you will get access to best-practice templates in each of our modules: from lead management to scoring cards and loan management.
Today, FinTech and digital-only banks worldwide reimagine their lending offerings with digital technologies to drive new revenue streams. As a result, many of them are looking into solutions that are already geared with the POS, BNPL, and LOS to accelerate lending digitization across personal and business loan automation. Neofin is a plug-and-play solution where you can enjoy all the built-in modules using a UI or API from core banking or any other system.
Our Loan Accounting core supports a flexible product engine that enables financial institutions to tailor their loan product portfolio to meet changing market needs. Get your small dollar, PDL, MSA/SBA, hard money, or fix-and-flip loans serviced through the POS, broker POS, website, mobile app, and BNPL widget. Besides, our payoff calculator is compatible with any payment schedule: one-time, installment, or balloon—all by your choice.
Much like many aspects of user lifestyles switch to digital and remote surveys after 2020, lending must join this trend as well if it wants to survive. But it is pretty challenging to create new digital surveys because you want to engage the whole delivery team with designers, developers, and testers on it.
Instead, our website builder is all about “What You See Is What You Get.” For that reason, you can skip many frontend development stages and experiment as many times as you wish.
As a part of the digital experience, user verification requires the highest possible level of automation as well. Automated and remote onboarding helps our customers bring “time to yes” down to minutes and even seconds. At the same time, any human factor gets eliminated thanks to the decision engine. Neofin offers all the tools to deliver a positive KYC experience, accelerate onboarding, and boost throughput by automating profile enrichment, list screening, behavior monitoring, and risk scoring in your customer base.
Launching the lending business with Neofin is a brand-new way for the loan management software industry. All you need is to choose the required modules and set up your lending app using the wizard. After that, your app will be automatically deployed on AWS or Azure, and you can start your lending operations the same day with our product and website templates. Here is the list of all modules and templates you will get with the new loan app:
You can get a free 30-day trial period for all these modules. After the trial period, you will get billed according to your module configuration. To manage your module configuration in the loan app, you should access Neofin Control Panel where you can:
Check a pre-installed demo version with a test dataset of your loans and clients
Create a new loan app
Manage existing loan apps
Manage your account information
If you have any questions about purchasing or module customization, please feel free to contact our sales team at [email protected]
| Operating System | Windows, Linux and Mac OS X |
Web Browser |
Safari 13 Google Chrome 73 Mozilla Firefox 69 Edge 79 Opera 60 |
| Other requirements | Install Spreadsheet viewer (optional) |
A. Client onboarding process (Front End)
B. KYC (Know your customer) process
C. Decision making process
D. Loan management process
Neofin account gives you access to lots of Neofin products. With your account, you can do things like:
Playing with Neofin modules in demo mode
Editing your organization account
Creating new apps
Editing lending apps
Utilizing server power management features
Working with billing
Working with app metrics
Resizing your app server
Migrating your app to your server*
Logging in to Your Neofin Account
Every time you sign in to your Neofin account, you will need to use your email address, Google account, or LinkedIn account and undergo an email two-factor authentication. Your personal login link will be valid for 30 days. Please do not provide this link to other persons. Follow these steps to sign in to your Neofin Account:
Enter your email address or choose Google Auth or LinkedIn at https://neo-fin.com/users/login/form/ Check your mailbox Click Login or copy the link in the mail body to your browser You will be taken to your Neofin Control Panel page
If it is a new account, you will see a free trial demo page.
If it is an existing account, you will see an app management page.
Log in page
Mailbox personal link 
Page for new clients 
Page for existing clients
How to Edit Your Neofin Account
Manage your account settings including your login link, phone number, valid email address, and more.
Follow these steps to change your account information:
- Log in to your Neofin account (Control Panel)
- Click the personal page menu (right corner)
- Go to your personal information page
Follow these steps to change the email address associated with your account:
- Sign in to your Neofin account
- Check your mailbox
- Click Login
- Go to the account settings menu
- Enter the new email address
- Check your email address
- Confirm the new email address
- Enter the new email address
How to delete Your NeoFin account
There may be different reasons why you need to delete your account:
- You realize you have multiple accounts using different email addresses, and you want to have one account.
- You are locked out of your account and lost access to your authentication methods.
- You no longer need your Neofin account.
If you delete your account:
We will delete your email address, password, and phone number.
You will not be able to securely access the client who requires Neofin account.
After you delete your account, you will not be able to sign in. You will not use the lending apps you normally use to access your Neofin account. You will not lose your information in those apps, but you will need a new Neofin account to sign in.
We will be supporting your app for not more than 30 days.
Our bot will delete all your lending apps. You will lose all your data.
First and foremost, you will need to sign up for Neofin. You can do so by creating an account at www.neo-fin.com Follow a few simple steps: a) You will need a valid email address b) Enter additional information about your organization c) Click Confirm d) Check your mailbox. In the email body, you will find the Control Panel button e) Click the button, and the system will redirect you to the Control Panel
Welcome to Neofins. You are ready to work with your account.
Neofin applications are Linux-based virtual machines (VMs) with Neofin modules that run on top of virtualized hardware. Each app you create is a new server you can use, either standalone or as part of a larger cloud-based infrastructure.
You can choose your virtual machine provider from these options:
Amazon Web Services
Microsoft Azure
Digital Ocean
Google Cloud Platform (coming soon...)
The Create an App page is where you choose your app configurations such as its name, payment method, virtual machine provider, appearance, and which features—like backups or monitoring—to enable. The most popular provider and features are pre-selected to allow you to scroll down to the bottom of the page and create an app immediately, or you can customize any of the options in each section.
Click Create an App and read the tips. Follow a few simple steps to create a new app:
1) App information 2) Permissions 3) Payment details 4) Appearance 5) Deployment After you are done with deployment, you will receive an email with a guide to setting up your domain DNS.
See Neofin in action in this product demo. Get a step-by-step guide on how to work with Neofin modules and features for your organization.
You need to choose modules and apply changes in your demo to access them.
After a few minutes, your link will be ready to work.
Click Get Started, and the system will redirect you to the Control Panel.
In the demo version, you will get a free 14-day trial period for all modules.
Get started work with Free Demo
Please choose the amount and term that work for you. Click Apply Now.
Here are the next steps:
Enter your details in the personal loan application form and submit it to Neofin.
When you are done, click Save and continue.
With more and more information being required for a loan application, you will have to get a method to process your applications quickly and clearly. The Loan Application Form template enables customers to share their contact, background, and income information. With a variety of form editors and website builders at Neofin, you can customize this template and add your logo, themes, and colors.
You want to log in using the link button in the Control Panel.
To make a credit decision with your loan application, you want to follow these steps:
Enter your loan application
Click Decision
Note: In the demo version, we disabled auto-decision rules.
Also, you can make a credit decision manually from our Scoring Module.
The loan application will be available in filters named Manual.
Choose the correct Decision and Decision code.
Click Confirm.
Reject
Approve
Alternative
When you are done with the decision-making system, you want to check your loan application status.
How to check the loan status in the CRM system?
Visit /Loans in the CRM system.
Check loan application tables and find Status.
How to find the Client Profile in the CRM system (Manager Case)?
All the client data is available in the CRM module.
Visit /Clients in the CRM system.
To check the client data, you want to open a client profile card.
You can give this card a try.
Click Edit Client and change your client information.
How to create your website using the Sitebuilder module?
Sitebuilder is a Neofin platform module that allows you to create a ready-made site from scratch, quickly, easily, and without programming knowledge.
The core of this module already has a ready-made template that can be configured, edited, or used as it is.
You can create several templates separately on different pages of the site, it is also possible to download the program code of your own template.
In order to create your website using the Sitebuilder module, you need to log into your account on the Neo-fin.com site and follow the link to your application - https:///.neofin.global/crm
In the list of modules, you need to select the Sitebuilder module and go to the Create template page.
The module allows you to create and save several templates separately for each page of the site:
Index (homepage of the site)
About (about company page)
BNPL (BNPL module page)
Contacts (contact page)
FAQ (page with frequent questions and useful information for the user)
News (news page)
Repayment (credit repayment page)
404 page
You need to fill in the suggested Seo page settings and click save.
The saved templates will be displayed in the Template list filter.
You can also View, Edit, or Delete this template.
How to set up a unique settings of a single page of the website?
After saving the page templates, the website is fully ready for use.
If you want to make a unique website and adjust it to the features of your business, you need to click Edit and go to the individual page settings.
In the upper left corner, you can switch between icons and view the site display on your desktop, tablet, or mobile phone.
In the upper right corner of the screen are the basic settings for site editing.
Note! It is not recommended to use the following entities in the JS editor when importing code to the site:
``
`${value}`
It is also possible to quickly edit blocks or content on the site using the quick settings menu, which is displayed in the top right corner of the selected block.
These settings allow you to move a block up, copy a block, or delete it.
This section consists of 4 subsections:
- Basic (allows to add columns, text, text blocks, video, images, links, quotes);
- Extra (allows you to add a navigation menu and acounter);
- Forms (allows you to add input forms, feedback forms, checkboxes, radio buttons, drop-down lists, and more)
- Pages - allows you to add the following sections to the website:
- News
- Affiliate programm
- BNPL
- 404
- About
- Complaint
- Contacts
- News blocks
- Pay
- Questions
To access the app you created, you want to select the view button in the app menu. After that, you want to select your app type for work.
To select a test version, click Open stage instance.
To select an industrial version of your app, click Open production instance.
Every time you sign in to your Neofin account, you will want to have your email address and password and undergo the email two-factor authentication. Your secure token is 1111 for stage instance.
You can check your login and password in the app settings.
Follow these steps:
- Select the view button in the app menu
- Click App info and preferences at the left menu
- Check email and password fields
Your email and password work for your stage and production app instances.
Adding a domain you own to your Neofin application account lets you manage the domain’s DNS records with the control panel and your domain provider. Domains you manage on Neofin also integrate with Load Balancers and Certbot service to streamline automatic SSL certificate management.
How to Connect a Domain to a Server:
1) Go to your domain registrar
2) Sign in to your account
3) Go to domains list
4) Select your domain
5) Create "A" record on just the domain ({app_domain}) leave the "name" field empty (@) and put the IP address ({app_ip}) in the "value" field.
6) Create "A" record for wildcard subdomains (*.{app_domain}) set the "name" field (*) and put the IP address ({app_ip}) in the "value" field.
7) Save created "A" records
How to share access to your account?
Getting to know the Account Sharing (Access Manager) feature and how to grant access to your account.
Account Sharing enables you to grant access to your account to another person, e.g., a developer or CEO of your Company!
You can grant access to a separate application or all account features. To grant access, go to Profile Menu and click Shared Access:
On the Account Sharing page, click Add Member.
Fill out the form, entering the email address of the person you are granting access to, specifying their access level, and indicating which app you are granting access to.
Additionally, you can hide notifications from the user and allow them to set up pending orders.
What others can do to your account after access gets granted
There are two Access Level options:
Can View means that a person who has received access will be able to make changes to your account, such as modifying your apps and changing other settings in your Control Panel.
Edit / Owner / Admin means that a person can make purchases using a stored payment method. A person who has received access will be able to make the above changes, such as adding and purchasing new accounts/apps using the already added payment method.
Even though you would provide access to another person, there are some things they will not be able to do to your account, namely:
- Managing or adding payment methods to your account
- Inviting others to access your account
- Viewing or changing your profile information, e.g., changing your email address, name, phone, address, and passwords
- Performing the following tasks: transferring or unlocking apps, changing contact info, managing auto-renewal, or managing backorders
Can I check who has access to my account?
In the “Shared Access” section, you can find users that have access to your account (or people who can access my account). You will see the email addresses of people to whom you granted access:
App Workspace
The user who created the app has 24/7 access to it.
To track your app status, you want to:
Log in to the Control Panel using the link
Next, in the Control Panel, go to the “My Apps” section
In the list of apps, you want to find the app you are interested in. In the action menu, go to view. You will see the settings and app management section. The main workspace contains information about the current financial status of the app and the relevant amount. According to this amount, you will get billed in the reporting period. It is possible to download reports for each parameter used to issue invoices.
Server and domain
If you need to change the domain or increase the server capacity, go to the “Domain info” and “Server info” sections.
Follow the hints and links to the developer documentation at
https://secondtest-app.azure.neofin.global/intrgrations
Members and access rules
Above, we gave an example of adding a member when creating an app. At the same time, you are allowed to add a member or administrator from the app workspace at any time during the app activity 24/7. To add a new member to the app management, go to the “Members and Permissions” section. Click Add Member. To add a participant, all you need is to enter a valid email address. Note: when adding a participant, an invitation will be sent to the specified email address. To access the app, you must register an account in Neofin Control Panel. After registering and accepting the invitation, your app will become available in the “My Apps” section for a new member.
App settings
You can access basic app settings in the “App Settings” section. If your app is active, and financial accounts are closed, then you can change its main settings: - Name - Domains - Design - App description These settings apply to the visual display and accessibility of the underlying CRM system and website. Settings that relate directly to the website and CRM system will be available to you in the app modules when you first log in. Setup documentation for your app, CRM, and website is available at https://neo-fin.com/docs/
Payment details and invoices
The “Invoices and Payments” section contains information about the payment methods for invoices, invoices issued, and their statuses.
Modules
Module activity settings are available in the “Modules” section. When the app is active, you can change your app content, namely, enabling/disabling modules in the CRM system. Billing options will change based on your preferences. You want to carefully and deliberately include this or that module. If you have any questions about pricing, please feel free to contact the sales department of our support team at https://help.neofin.global
You can delete an application from the App page or while editing your app attributes.
When you delete an app, you are prompted whether to remove the app definition and/or drop supporting objects.
On the Workspace home page, click App Builder icon. Select an app. The App home page appears.
After that, verify the app ID and name at the top of the page.
On the Tasks list, click Delete this App.
When prompted, click Delete. Your app will be permanently deleted.
Card verification and repayment test data
| Provider | Data | |
| Stripe | When testing interactively, use a card number, such as 4242 4242 4242 4242 (VISA) , 5555555555554444 (MasterCard) Enter the card number in the Dashboard or in any payment form. Use a valid future date, such as 12/34. Use any three-digit CVC (four digits for American Express cards). Use any value you like for other form fields. |
| Provider | Data |
| Payliance | Disabled card - 9400100999999993 Debit cards : VISA - 4000056655665556 (FUND - Y, SALES - Y ), 9400112999999998 (FUND - NEXT, SALES - Y ), 4500600000000061 (FUND - Y, SALES - FEW ) MASTER CARD - 5200828282828210 (FUND - N, SALES - Y ), 2223003122003222 (FUND - Y, SALES - Y ), 9950102999999993 (FUND - NEXT, SALES - Y ), 9950103999999991 (FUND - FEW, SALES - Y ) Credit cards: VISA - 4111111111111111 (FUND - Y, SALES - Y ) MASTER CARD -9501310999999996 ( FUND - N, SALES - Y ) |
SMS tokens
| Functionality | Data |
| Login to CRM ( one time email code ) | 1111 |
| KYC confirmation | 123456 |
