Trusted by leading lenders and BNPL providers across 50+ countries
Use Cases
Reconciliation for Lending & BNPL
From disbursement to last payment, fully reconciled
Lending and BNPL providers manage complex cash flows across origination, disbursement, collection, and interest accrual, each with regulatory requirements for provisioning and auditable accounting. Simetrik reconciles every credit operation, continuously.
>99.9%
Automatic reconciliation on loan disbursement and collection flows
5 days
Average month-end close reduction for lending operations teams
4X–6X
Typical ROI on accounting automation controls for loan portfolios
Confirm every loan was disbursed correctly
Loan origination and disbursement involve multiple handoffs between your LOS, payment rails, and bank partners. Simetrik confirms every disbursement against the instruction, with installment-level traceability.
- Duplicate disbursement detection before funds leave the account
- Installment-level traceability from origination to funding
- BNPL merchant credit: confirmed at order and settlement level
Reconcile every collection
Collections flow in from multiple channels: PSPs, banks, direct debit, and collection agencies, each with its own timing and format. Simetrik matches every payment to its installment, automatically.
- Installment collection matched to origination schedule, daily
- Partial payments, early repayments, and refinancing tracked
- Delinquency aging confirmed from reconciled collection data
Automate provisioning and interest accrual
Simetrik automates every entry from reconciled data, with full traceability to the source loan.
- Provisions calculated automatically from reconciled portfolio data
- Interest accruals generated daily, not assembled at period-end
- Journal entries posted to ERP automatically, per product
- Month-end close reduced by up to 5 business days
Walk into regulator reviews fully prepared
Credit regulators require granular, auditable data on portfolio composition, provisioning, and payment performance. Simetrik generates compliant reports from verified data, on demand.
- Regulatory reports for CNBV, SBS, BACEN, Superfinanciera, or any other on demand
- Audit trail from portfolio report to source loan transaction
- Reserve requirement compliance monitored in real time
Built for the credit lifecycle of modern lending
Disbursement accuracy
Confirm every loan was funded correctly, to the right account. Duplicate and instruction mismatch detection before funds leave.
Collection visibility, end-to-end
Every installment matched to its origination record across all collection channels. Real-time aging and delinquency from reconciled data.
Provisioning you can defend
Automated provisions and interest accruals from verified data, not manual calculations. Close faster and walk into audits with confidence.
AI-native by design
Credit default pattern detection, collection performance anomalies, and smart provisioning workflows powered by clean, verified loan data.
Real results from lenders and BNPL providers like yours
"Simetrik allowed us to scale transactional control without scaling operations, maintaining speed and reliability even in high-growth contexts."
Gabriel Graff, Head of Operations, Naranja X
Ready to reconcile your full lending operation?
Join 180+ financial services companies that trust Simetrik to process 2.5 billion records daily, from disbursement to final collection and close.