LoanOS · Credit & Lending Infrastructure
Lending engine from origination to collection — fully programmable
Digital origination, AI credit scoring, contract management, flexible amortization tables (Price/SAC/Bullet), multi-rail disbursement, and integrated collection with automated dunning — all via API.
Loan SimulatorPre-approved
AmountR$ 250.000,00
Rate1.89% a.m. (CET 24.8%)
Term36 months · Price
InstallmentR$ 9.847,22
Origination PipelineLive
Application
847
Credit Analysis
623
Approved
412
Disbursed
389
Active Contracts
LN-2847Tech Solutions
12/36LN-2846ABC Comércio
5/24LN-2840MKT Digital
8/48< 3min
Digital origination
AI/ML
Credit scoring
Price/SAC
Amortization tables
Multi-rail
Disbursement
SCR/3040
Regulatory reporting
FIDC
Credit assignment
Lending building blocks for any credit product
Origination & Underwriting
Digital OriginationPF & PJ
Credit ScoringAI/ML
Risk AnalysisBureau + Open Finance
Proposal SimulatorReal-time
Loan Management
Contracts & InstallmentsFull lifecycle
Price / SAC / BulletFlexible amortization
Multi-rail DisbursementPIX, TED, Boleto
RenegotiationRestructuring
Collection & Compliance
Integrated CollectionAuto dunning
Interest & PenaltiesCET
Credit AssignmentFIDC / Securitization
Regulatory ReportingSCR / 3040
From application to repayment — fully automated
LoanOS handles the complete credit lifecycle: digital application, AI underwriting, contract generation, multi-rail disbursement, installment management, and collection — replacing legacy loan systems with a single API.
Your PlatformCredit products
Personal LoanWorking CapitalPayrollBNPLMicrocredit
LoanOS
Origination + ManagementScoring
AI/ML
Contracts
Price/SAC/Bullet
Disbursement
PIX/TED
Collection
Auto dunning
Credit InfrastructureSCR · BACEN · Bureaus
SCR
BACEN
Serasa
SPC
FIDC/CVM
Full lending, one API
From loan simulation to collection — every credit operation accessible via REST endpoints.
Instant loan simulation
Calculate installments, CET, and total cost for any amount, rate, and term combination.
Simulation — Request
1curl https://api.revenu.com/loan/simulate \2-u:prod_key \3-d amount=250000 \4-d rate_monthly=0.0189 \5-d term_months=36▌
Response — 200 OK
{
"installment": 9847.22,
"total_cost": 354499.92,
"cet_annual": "24.8%",
"table": "price",
"iof": 1875
}▌
Everything you need, nothing you don't
Origination
AI Credit Scoring
ML models trained on Brazilian credit data. Bureau, Open Finance, and behavioral signals combined for accurate risk assessment.
Loan Simulator
Real-time simulation with Price, SAC, Bullet, and grace period. CET, IOF, and total cost calculation.
PF & PJ Origination
Unified endpoints for individual and business loans. Integrated KYC/KYB with automatic document validation.
Instant Decision
End-to-end origination in < 3 minutes. From application to approved contract with automatic disbursement.
Management
Contract Lifecycle
Full contract management: creation, amendment, renegotiation, early settlement, and write-off — all via API.
Flexible Amortization
Price, SAC, Bullet, and custom tables. Support for grace periods, seasonal payments, and balloon installments.
Multi-rail Disbursement
Automatic disbursement via PIX (instant), TED (same-day), or scheduled transfers. Split disbursement supported.
Renegotiation Engine
Automatic renegotiation proposals based on borrower profile. Term extension, rate adjustment, and debt consolidation.
Developer
Full Sandbox
Test origination, scoring, contracts, and collection with simulated borrowers in production-identical environment.
Portfolio Analytics
Default rates, vintage analysis, concentration risk, and provisioning metrics via API.
Real-time Webhooks
Events for every loan lifecycle change: applied, approved, disbursed, paid, overdue, renegotiated.
Native SDKs
Go, Node.js, Python, and Java. Pre-built loan simulator components for React and Flutter.
Why LoanOS over legacy loan systems?
Legacy
LoanOS
Origination
Days / paper-based
< 3 min digital
Credit analysis
Manual committee
AI scoring + bureau
Disbursement
Single-rail D+2
Multi-rail instant
Contract management
Spreadsheet + PDF
Full lifecycle API
Collection
Manual follow-up
Automated dunning
Regulatory
Manual SCR filing
Auto SCR/3040
Case Study
“LoanOS allowed us to launch a credit product in 4 weeks — from zero to R$ 50M disbursed. AI scoring reduced our default rate from 8.2% to 2.1%, and origination dropped from 3 days to under 3 minutes.”
CEO, Lending Kappa
R$ 50M
Disbursed M1-M6
2.1%
Default rate
< 3min
Origination time
Try LoanOS now
Simulate loans, test credit scoring, create contracts, and explore collection flows — all with simulated borrowers in a production-identical sandbox.
Free sandboxSimulated borrowersNo credit card
Sandbox
Access the sandbox
Test credentials in minutes.
Free sandbox environment · No credit card
Regulated from day one
BACEN
ISO 27001
PCI DSS v4.0
LGPD
MED 2.0
ISO 20022
Start building today
Direct access to complete banking infrastructure: accounts, cards, payments and capital. Build your financial products on your terms, without unnecessary intermediaries.