Solutions: Payroll Lending Platform
Put Your Money In The Right Place
Access a complete lending engine that connects borrowers, employers, payroll and compliance so your capital goes further with confidence.
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How Payroll Lending Works With Crediroll
A smarter way to lend, from capital to collections
Your capital goes into the Crediroll lending engine, and the platform connects everything around it—from employers and borrower data to loan origination, payroll deductions, and collections—so your lending operation can run through one connected ecosystem.
The Lending Ecosystem
A connected ecosystem
Built for payroll lending
Crediroll connects every agent, process and data source in your lending operation, so you can originate, manage and collect loans with confidence.
Clients
Employers
Employers relationships and employee data.
Clients
Borrowers
Application and borrower information.
Payroll
Payroll
Payroll data and deduction processes.
Crediroll
Lending Platform
The central hub that connects your entire lending operation.
Lending Team
Lending Team
Originate, review and manage loans efficiently.
Collection
Collections
Repayments, recoveries and portfolio performance.
Compliance Layer
Runs across the entire ecosystem without interruption.
✓Identity Verification
✓Watchlists & Screening
✓Sanctions & PEP Checks
✓Audit Trail & Reporting
One platform. Every agent. All connected
Crediroll brings together clients, teams, data and compliance in one connected platform so your lending business can scale with confidence.
The HR Team: Your Agent In The Process
The Employer's HR Team Helps Move Every Loan Forward
The employer's HR team plays a key role in the lending process, helping verify employment, validate eligibility, and provide the information needed before a loan moves forward.
Verify Employment:
Confirm that the borrower is an active employee of the company.
Validate Eligibility:
Confirm that the employee meets the employer's requirements to apply for a loan.
Support Loan Origination:
Help initiate or facilitate the loan application when required.
Keep Information Connected:
Share relevant employment and payroll information with the lending team throughout the process.
What This Means For Your Business
Crediroll helps lenders reduce risk, strengthen borrower relationships, automate key processes, and scale operations with greater control. By connecting employers, borrowers, and lending teams in one platform, your business can grow more efficiently without adding unnecessary complexity.
Lower Risk
Lending to verified employees of your existing employer network gives you more information, more control, and a more predictable repayment process through payroll deductions.
Stronger Borrower Relationships
When employees discover financing through their employer, they are more likely to build trust and continue their relationship with the recommended lender.
Built-In Automation
A large part of the lending operation can run through Crediroll, with dedicated experiences for borrowers, employers, and lending teams.
Scalable Operations
Grow your lending operation across employers and borrowers without adding the same level of operational complexity.
The Technology Behind Your Lending Operation
The technology that powers your payroll lending operation
Built to drive your growth
Discover the technology that powers your lending operation and gives you the infrastructure to grow.
FAQ
Everything You Need to Know About Payroll Lending With Crediroll
How does the payroll lending model work?
Your lending business provides loans to employees of participating companies, with installments deducted directly from payroll. Crediroll connects applications, employment verification, loan management, and payment tracking in a single workflow.
What role does the company play in the loan process?
The company confirms that the applicant is an employee and meets the program’s eligibility requirements. Your lending team retains control over credit assessment, loan terms, and the decision to approve or reject each loan.
How are loan installment payments managed?
Crediroll centralizes the tracking of upcoming installments, processed payments, and outstanding payments, helping your team keep collections organized and monitor portfolio status.
Can I offer loans to employees across multiple companies?
Yes. You can add multiple companies to your operation and manage their applications from a single platform, expanding your reach without managing each business relationship through separate systems.
Can I configure different loan terms for each company?
Yes. As the lender, you can define rates, disbursement limits, eligibility requirements, and repayment schedules for each company and branch based on the terms you want to offer.
Which stages of the lending operation can I manage with Crediroll?
From onboarding and verification to application assessment, contract management, and collections. Information and actions related to each loan remain connected throughout the platform.
Get Up and Running With Crediroll
Get hands-on support from setup to launch and start using Crediroll in as little as 30 days.
1.
Configure and Set Up
Set up your lending operation around the way your business works.
Configure workflows, roles, rules, and employer relationships.
2.
Connect
Bring your operation into one connected platform.
Connect your existing processes and migrate the information your team needs.
3.
Go Live in 30 Days
Start managing your lending operation faster.
Get hands-on support from setup to launch and start using Crediroll in as little as 30 days.
Why wait? contact us or schedule a demo today