Regardless of sales channel, all credit applications are processed in CapDirect, which offers an effective, consistent, and highly automated credit process. CapDirect is an open case and flow management system, providing you with full control over the process so you can steer and monitor how each case is handled.

Online credit application for private individuals and enterprises

• Mortgages, blanco loans, leases, rent, installment payments, etc.
• The application client is available in multiple languages (e.g., English, Swedish, Norwegian, and Finnish)
• The customer receives a reply directly on the Internet in just a few seconds
• All legal documents are printed for the customer to sign and       send in

Credit processing system

• Connections to UC, D&B,
• CreditInform, Asiakastieto (AT)
• Established credit regulations for private individuals and enterprises with both internal and external information
• Connections to the Swedish National Land Survey, Housing cost calculators, Credit ratings agencies, etc.
• Computerized document management
• Case management
• Handling of reviews/ supplements