Follow a strict, well-defined process Initial work is done by certified home-based freelancers Quality assurance is done by in-house team of experts Defined quality criteria, follow method for QC Rework file till QC passes Completely online workflow, simplifies collaboration, leverages tools

CORE FEATURES -Create unlimited Clients (customers, borrowers) -Capture unique Tax ID from each client and use it as a search criteria. -Create unlimited Identification document types. -Customize Client Numbers generated by LoanCirrus. -Create unlimited loan applications -Upload documents, images and signatures -Add Assets across several asset categories. -Use assets as collateral in any loan application. -Apportion any amount of an asset as security in a loan. -Track the expiration of asset appraisal dates and value. -Capture client employment data and check length of employment. Under 6 months require previous employer information. -Allow for the addition of up to 3 references. -Assign and reassign clients and loan accounts to Credit Officers dynamically. -Capture unlimited client notes. -Create unlimited loan products. -Define Interest Rate calculation methods at the loan level -Define loan term - minimum and maximum at the loan level. -Define loan interest rate range at the laon level. -Define allowable loan amounts at the loan level - minimum and maximum. -Define the repayment periodicity of the loan -Define if a loan is a Term loan. -Define Ballooning behavior. -Define Accrual frequency -Define repayment allocation order -Allow rules to be created on fees -Allow for Ad hoc, manual fees that can be applied anywhere/anytime. -System automatically prevents possibility of duplicate loan products. -Apply specific process workflow at the loan level. Workflows must be attached to each loan product. -Allows for repayments to loan accounts -Allows for topping-up a loan -Allows for rescheduling a loan -Allows for Paying Off a loan before maturity date -Allows for Writing Off loans. -Automatic creation of Escrow Savings account with each client created. -Automatic transfer of funds from Escrow Savings accounts to pay loan repayments. -Ability to add Co-Applicants to a loan application -Ability to add Guarantors to a loan application. -Ability to create Income categories and capture income at the loan application level -Capture banking information for each loan.