Cobiscorp Lending

COBIS (formerly known as Cobiscorp) is a global financial technology company that provides digital banking, core banking, lending, payments, collections, and financial inclusion solutions to banks, microfinance institutions, cooperatives, fintech companies, and other financial institutions. Headquartered in Miami, COBIS has a particularly strong presence in Latin America, Africa, and other emerging markets.

The company's lending platform enables financial institutions to automate the complete credit lifecycle, including customer onboarding, loan origination, credit analysis, underwriting, disbursement, servicing, collections, and portfolio management. COBIS is especially recognized for supporting microfinance, consumer lending, SME lending, agricultural lending, and financial inclusion initiatives.

Unlike a bank or finance company, COBIS does not provide loans directly to borrowers. Instead, it provides software and digital infrastructure that lenders use to manage lending operations.

SERVICES

• Digital Loan Origination: Enables lenders to automate loan applications, customer onboarding, document collection, underwriting, approval workflows, and loan disbursement processes.
• Loan Management: Provides end-to-end loan lifecycle management, including loan account administration, repayment scheduling, interest calculations, restructurings, settlements, and loan closures.
• Loan Servicing: Supports the ongoing administration of active loans through payment management, customer servicing, account maintenance, and repayment monitoring.
• Consumer Lending Management: Supports personal loans, installment loans, revolving credit facilities, salary loans, and other consumer lending products.
• SME Lending: Provides tools for small and medium-sized business lending, including application processing, credit analysis, collateral management, and loan servicing.
• Microfinance Management: Supports individual lending, group lending, village banking, community finance, and other microfinance lending models.
• Agricultural Lending: Enables financial institutions to manage agricultural loans, seasonal lending products, rural finance programs, and agribusiness financing.
• Credit Decisioning & Underwriting: Supports automated and manual underwriting through credit scoring, policy engines, risk assessment models, decision workflows, and bureau integrations.
• Customer Onboarding & KYC: Facilitates digital onboarding, identity verification, Know Your Customer (KYC) procedures, Anti-Money Laundering (AML) checks, and customer due diligence.

Countries