Automating Corporate Lending: How to Cut Time-to-Market in Half

The Challenges of Traditional Corporate Lending

Corporate lending remains a major source of income for banks and microfinance institutions, yet the process behind it is often slow and frustrating. Many institutions still depend on manual work such as collecting documents, checking data, running credit assessments, and coordinating long approval chains. These tasks can stretch for weeks. Even something as simple as reviewing paperwork can take half an hour, while final approval may drag on for a month or more. For clients, this feels like wasted time; for banks, it means higher costs and constant pressure on managers to deliver results.

Decision-makers face their own risks. Board members worry about funding projects that may never pay off. CIOs hesitate, fearing they could choose the wrong technology or end up tied to a vendor with an expensive system. Competition in the financial sector leaves little room for mistakes – customers expect speed, and delays quickly affect trust.

Our corporate lending for Creatio offers an alternative. By using no-code tools, banks can simplify complex workflows, shorten processing times, and meet performance targets. In practice, clients have reduced «time to yes» from 30 minutes to 8 and cut document handling hours by more than half.

The Power of No-Code in Corporate Lending

No-code technologies are gradually changing the approach of banks and microfinance organizations to automation. If previously, creating new software required long development cycles and the participation of programmers, now a significant part of the tasks can be solved using visual designers. Such platforms, for example, Creatio, allow business analysts or operational managers to independently configure processes and assemble working solutions without constant access to the IT department.

In corporate lending, this has several noticeable effects:

One practical example is the Corporate Lending for Creatio solution, which is being implemented by our company, Banza. The platform covers all key stages of the credit process: from application acceptance and document verification to scoring and final approval. It has already shown good results in several banks: for example, document processing time has been reduced by almost an order of magnitude. This directly affects the speed of decision-making and convenience for clients.

How Banza’s Corporate Lending Solution Works

A corporate digital lending solution is not that simple: banks and microfinance organizations face red tape, lengthy approvals, and growing customer expectations. Corporate lending for Creatio platform was created to simplify this process and eliminate routine, leaving employees more time to work with clients.

What changes in practice:

1. Application acceptance and documents. The system itself checks financial reports, tax returns, and statements, reducing verification time by almost half.
2. Risk assessment. Credit models collect data from various sources and automatically generate scoring, reducing the share of manual checks.
3. Approval. Approvals are faster due to routing according to rules, and the number of participants in the process is reduced.
4. Communication. Clients can communicate with the bank through the website, mobile application, or contact center, while all data remains in one system.
5. Analytics. Built-in panels give managers an up-to-date picture of risks, lending volumes, and team efficiency.

As a result, banks note: less manual work, faster solution, higher customer satisfaction. The platform we provide does not replace specialists, but helps them work more accurately and focus on key tasks – business development and long-term relationships with clients.

Why Banza Stands Out

Our company is one of Creatio’s key partners in the financial sector. The company has assembled a team of over 150 specialists, opened its own R&D center, and launched a marketplace of ready-made solutions. Thanks to this, we are not limited to «boxed» products, but adapt technologies to the real needs of its customers. The company focuses on banks and microfinance organizations in Ukraine and Central Asia, where it has accumulated unique experience working with credit products.

Unlike global players like Salesforce, we focus on accessibility and flexibility. Their offers are designed for both medium-sized companies with a turnover of 5 million EUR and large organizations. At the same time, the team knows how to adapt to the customer’s methodology and form project teams of the required scale – this reduces risks and saves time. In recent years, we have implemented more than 350 projects and collaborated with 200 clients around the world, which confirms the reliability of the chosen approach.

Our strong point remains support: implementation does not end with the transfer of the system; specialists continue to help at the operation stage. This approach is especially important for managers who are responsible for operational stability and cannot afford disruptions. In addition, relying on no-code tools gives customers more freedom – they can develop solutions independently and not depend on one supplier.

Real-World Impact: Success Stories

Our corporate lending for Creatio helps banks and microfinance organizations speed up processes and reduce operating costs. Below are some examples of implementation:

Our solution is aimed at middle and senior managers in banks and microfinance organizations – those responsible for business efficiency and team performance. Cost reduction, process acceleration, and service quality improvement are important to them. This is exactly what the ability to automate loan processing provides: practical savings, improved customer experience, and additional recognition from the market.

Overcoming Barriers to Adoption

Although our solutions provide significant benefits, in practice, implementation sometimes faces obstacles. For example, companies with cumbersome systems or complex processes are in no hurry to change partners – the risk of failures during the transition is too high. In such cases, Banza relies on flexible integration and shows examples of projects where the change was painless.

There is another factor – security issues. Here, the company emphasizes that it complies with international standards, uses KYC/AML checks, and pays special attention to data protection.

The financial side also plays a role: banks are often reserved about transfers to certain countries. We try to remove these barriers with competitive rates and the fact that projects can be carried out remotely, regardless of time zones. Finally, a change in management can be an obstacle – new top management often gravitates towards familiar contractors. In such cases, the decisive argument is the speed of launch and specific results: on average, savings of up to half of the working time and a noticeable increase in the quality of client offers.

Why Now Is the Time to Act

Today, customers expect fast and convenient service from banks and microfinance organizations, and competition is only growing. In such conditions, old manual lending processes are starting to slow down development. Our corporate lending for Creatio solution helps to speed up the launch of new products almost twice, put things in order in operations, and really influence key business indicators.

The main difference is that the system is built on a no-code approach: even non-technical specialists can manage it. This reduces the burden on the IT team, saves the budget, and allows you to get tangible results in just six months. An additional plus is transparent pricing and support at all stages, which reduces the risk of getting stuck in a long and expensive integration.

For senior executives, CIOs, and digital transformation specialists, this solution eliminates real pain points: doubts about payback, fear of getting stuck with one vendor, or losing the trust of the team. We have over 350 successful projects and 200 clients worldwide, so they know how to make implementation work, not just «on paper».