The credit application is written by a senior credit advisor on behalf of Optiloan and is based on the details collected from the business owners, the business's accounting system, and the financial statements provided.

• Full credit application in accordance with the banking standard
• Reports, documents and financial data collected from business owners
• Optiloan dashboards (dashboards) that summarize all the details of the application, including the expected credit risk, and enable an informed and quick decision.

The credit application submitted by Optiloan is adapted to the banking standard and includes all the details necessary for a quick but informed credit decision:

• Application details (amount of credit, purpose of credit, period of credit)
• Business details (details of current and expected activity, main products, company website)
• Details of ownership (personal details, and details of assets and liabilities)
• Financial details (reports and financial data collected by Optiloan)

Optiloan collects information from various sources and greatly enriches the credit application.

In addition, a senior credit advisor on behalf of Optiloan reviews the application before submitting it and verifies that it is valid and complete.

Yes, the Optiloan system makes it possible to receive questions / clarifications from the financial body and forward them to the customer for reference and back.

Yes. The decision on the credit offer is in the hands of the financial body that offers it only. The requesting business can accept, reject, or consolidate with additional offers received in the system.

The business owners choose the most optimal offer for them, or offers in case of consolidation.

Yes, the conditions for granting credit and a requirement for collateral can be transferred.

Credit offers received in systems are only exposed to the business that submitted the application.

Ooptiloan operates in accordance with the rules of the Privacy Protection and Information Security Law

What else can be done in the Optilon system?

The Uptilon system offers a variety of tools for managing and tracking credit applications and analyzing the credit portfolio for loans taken through the platform.

We are working hard on developing additional tools that support business credit processes such as, managing credit and collateral documents and more.

receive credit applications? Definitely, Optiloan allows financial entities to manage a customer profile and risk appetite in accordance with the parameters set by them and to receive credit applications only from entities that meet the same parameters

Any financial entity supervised by the Bank of Israel and any non-banking entity that provides credit services supervised by the Capital Market Authority can join the Optiloan credit arena.