north9 / Loan management system in the Middle East
Loan management system for the Middle East
From Cairo, north9 Solutions builds and runs flx360, a lending and service platform for banks, fintechs and non-bank lenders across Egypt, the Gulf and Jordan.
One lending platform across markets
Regulators, currencies and channels differ by country, but the credit lifecycle does not: application, decision, disbursement, repayment, collections, accounting and reporting. flx360 configures each step against your products and policy, on one release line shared by every client.
- Origination, credit policy, limits and exceptions
- Loans, repayments, rescheduling, early settlement and waivers
- Collections strategies and field assignment
- Accounting, provisioning and IFRS 9
- Reporting, dashboards and regulator packs
Who uses it
flx360 is built for institutions whose core business is lending.
- Banks
- Non-bank lenders and consumer finance companies
- SME lenders
- Microfinance institutions
- Leasing and factoring companies
- Fintechs
Beyond the loan
Ticketing, workspace, MIS, reconciliation, accounting, audit and an API sandbox run on the same record, the same workflow engine and the same audit trail, so the operation does not split across systems.
How an engagement works
We start by assessing how the operation runs today and what the gaps cost. You get a working environment on your own data in weeks, a branch-by-branch rollout at the pace the operation can absorb, and managed support with a regular review rhythm.
Frequently asked questions
What does a loan management system do?
It manages loans from application to write-off: decisioning, disbursement, schedules, repayments, collections, accounting and reporting, with an audit trail on every action.
Which markets do you cover?
Egypt, Saudi Arabia, the United Arab Emirates, Kuwait, Qatar, Bahrain, Oman and Jordan.
Can we pay based on results?
Where the result can be measured, yes. We agree a metric and a baseline first, and the fee is released as the metric moves. Fixed-scope contracts are also available.
How long until we have a working environment?
A working environment on your own data takes weeks, not quarters.