One solution. Every loan. Every lender.
Process applications faster, automate underwriting decisions, and manage the full loan lifecycle from a single desktop platform.
Loan Origination Applications
Nowcom builds enterprise underwriting applications across industries—including automotive indirect/direct lending, mortgage, personal loans and insurance, healthcare, and automotive leasing. Our teams’ pair deep domain expertise with modern, scalable architecture to deliver fast, consistent, and compliant decisioning tailored to each program. With more than 20 years of experience, we streamline complex workflows and meet demanding regulatory and operational requirements.
Emanate
Emanate is the #1 used‑car lending loan origination system, trusted by tens of thousands of dealerships for indirect lending at scale. Together with Nowcom's underwriting platform, it streamlines workflows with AI‑driven document verification and automated AI‑voice customer interviews. It orchestrates the full buying process, seamlessly handing off deals between teams at each stage.
Genesis
Genesis extends Nowcom's proven underwriting platform to support both direct lending and refinance programs. It delivers a purpose-built, enterprise-grade rules engine with configurable workflows, real-time decisioning, and seamless integrations with credit bureaus and data providers. Lenders gain faster approvals, consistent risk assessment, and comprehensive audit trails to meet operational and regulatory requirements.
Polar
Polar tailors Nowcom's underwriting platform for title and personal loan programs, bringing the same proven rules, workflows, and integrations. It manages end‑to‑end origination—application, decisioning, and funding—with speed, consistency, and compliance. Scale confidently across both products with streamlined operations and audit‑ready visibility.
Westlake Financial Collection
Nowcom's loan servicing CRM provides comprehensive visibility across your entire customer portfolio, enabling automated daily collection workflows for predictive dialer groups. The platform allows teams to manage due dates, track payments, monitor agent performance, and oversee all servicing activities from a single, unified application. Enhanced with AI-powered voice calling, intelligent responses, and SMS automation, the Collections CRM delivers efficiency gains of over 80%.
Wilshire Consumer Credit
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Westlake Direct - Pegasus
We developed a scalable loan origination and prequalification platform that helps Westlake Direct manage over one million car shoppers efficiently. Equipped with AI-powered SMS and email responders, the system engages and nurtures shoppers in real time across all online lead sources. The platform seamlessly connects qualified buyers to more than 50,000 dealers, enabling sales teams to convert leads faster and at scale.
CULA
We built a robust loan origination system that enables CULA to efficiently manage over 160,000 originated loans across both indirect and direct channels. The platform supports seamless collaboration with auto dealers while strengthening direct lending relationships with credit unions. Designed for scale, compliance, and speed, it streamlines the full loan lifecycle and improves operational efficiency across CULA's network.
Midway Leasing
We built Midway Leasing a modern lease‑origination system that streamlines applications from submission to approval. It delivers real‑time decisioning, configurable lease structures, and seamless dealer integrations to accelerate turnaround. Designed for reliability and scale, it efficiently serves individual, business, and fleet customers.
Hankey Capital
For Hankey Capital, a private direct lender, Nowcom delivers a loan‑origination platform tailored to time‑sensitive, value‑add bridge financing secured by California real estate. It enables rapid origination and structured finance (including DIP), supporting $500M+ in recent transactions and a $1.5B+ on‑balance‑sheet portfolio.
Covered Care
We built CoveredCare a modern loan‑origination system that streamlines patient financing from application to funding. It provides real‑time credit decisions, configurable payment plans, and secure integrations with provider systems. Designed for scale and compliance, it delivers a frictionless experience for patients, providers, and partners.
