Loan Appraiser

Loan Appraiser Background

Loan Appraiser is a Fintech based in the Netherlands. Its mission is to leverage technology in support of financial inclusion.

Great progress has been made in recent years when it comes to the application of technology in SME banks and MFIs in emerging markets. Mobile money and branchless banking have taken off in a big way and have eased access to banking services for millions. One area where technology has made less of an impact, is in enhancement of productivity and data quality in the loan-analysis process.

Loan Appraiser offers low cost, productivity-enhancing solutions for loan officers in the form of Apps for Android tablets. The Apps support the loan officers throughout the loan appraisal process, from first client contact to loan approval:

  • • Branchless client registration and loan application with fully customisable fields
  • • Loan analysis supported by intuitive data entry fields and built-in algorithms
  • • Flexible loan design functionality, based on repayment capacity
  • • Instant generation of state-of-the-art credit analysis reports with email functionality, allowing for immediate loan sanctioning

A user-friendly, web-based administration tool is available to customise the Apps to the needs of each financial institution. Apps run both stand-alone and can also be integrated with core banking systems. The available apps are:

  • • Biz Loan Appraiser for micro/ SME loan analysis and design    Download the Biz Loan Appraiser app

  • • Agri Loan Appraiser for agricultural loan analysis and design Download the Agri Loan Appraiser app

Loan Appraiser is a registered trade name of, and owned by Wasmus Consulting

Biz Loan Appraiser

Biz Loan AppraiserBiz Loan Appraiser assists loan officers of SME banks and MFIs in efficiently and effectively appraising an individual loan applicant’s creditworthiness. Biz Loan Appraiser merges best-practice lending to small entrepreneurs with the latest technological possibilities.

As a first step, client data and loan application are registered in the App together with client photo and GPS locations of residence and business. The App enables secure capturing of client data at the client’s residence or business, allowing for significant efficiency gains in the lending process.

It has intuitive menus and entry fields for balance sheet and income data and the ability to capture photos or scans as evidence supporting the collected data. It also contains a highly user-friendly loan design feature which allows to structure loans based on the client’s repayment capacity.

Biz Loan Appraiser produces a state-of-the-art credit report in PDF format to support efficient loan sanctioning. The PDF report includes the loan budget, balance sheet, income statement, analytics, GPS-based locations and land measurements, photos of business activities, and collateral details.

Biz Loan Appraiser offers a turnkey solution, which can be downloaded from the Google Play Store. A secure and user friendly web-based Administration Tool allows the bank’s administrator to purchase and assign licenses, customise client data fields, configure loan terms and conditions and define variables such as currency and interest rates. Biz Loan Appraiser runs both stand-alone and integrated with core banking systems.

Biz Loan Appraiser is optimised for use on 8-inch tablets or larger, but also runs on 7–inch models.

Agri Loan Appraiser Tablet

Agri Loan Appraiser

Agri Loan Appraiser Tablet

Agri Loan Appraiser Agri Loan Appraiser assists agricultural loan officers in effectively assessing the creditworthiness of farm households; and structuring loans based on seasonal repayment capacity.

As a first step, client data and loan application are registered in the App together with client photo and GPS locations of residence and business. The App enables secure capturing of client data at the client’s residence or business, allowing for huge efficiency gains in the lending process.

The Android app has intuitive menus and data-entry fields, including GPS-based land measurement, yield and income calculations for crops and livestock activities. It also captures non-farm commercial and salaried incomes and expenses. It comes with a unique loan design feature, which allows loan officers to plan loan repayments following the seasonality of farm household cash-flow surpluses.

Agri Loan Appraiser produces a state-of-the-art credit report in PDF format, which includes the loan budget, balance sheet, month-on-month cash flow projections, analytics, GPS-based land measurement, photos of farming activities, and collateral details.

Agri Loan Appraiser offers a turnkey solution, which can be downloaded from the Google Play Store. A secure web-based Administration Tool allows the bank’s administrator to purchase and assign licenses, configure loan terms and conditions and define variables such as currency and interest rates. Agri Loan Appraiser runs both stand-alone and integrated with core banking systems.

Agri Loan Appraiser is optimised for use on 8-inch tablets or larger, but also runs on 7–inch models.

Services

Loan Appraiser Apps run perfectly well as stand-alone solutions. However, institutions may require further assistance and/or a higher level of integration into their operating systems. To facilitate this, we offer the following services:

API License

To banks or MFIs that require an interface for data between the Apps and their core banking systems, we offer an API Integration platform. Our API license allows access to the REST API in order to synchronise data between Loan Appraiser and any external application. Click here for Technical API documentation.

Revision of Operating Procedures/ Manuals

We can assist banks or MFIs which require a revision or update of their internal Policies & Procedures and/or staff manuals as a result of the introduction of Loan Appraiser Apps in their institution.

Data integration

We can offer technical assistance and advice to come to an efficient integration of Loan Appraiser into your existing software systems and reporting tools.

Project Management

We also offer full project management services to banks and MFIs that wish to implement Loan Appraiser Apps, depending on their specific needs.

Staff Training

We regularly train loan officers in the most effective use of Loan Appraiser Apps and the underlying best-practice credit methodologies. Our trainers have many years of hands-on experience with training the skills of micro- and small business- and agricultural lending.

Contact us

Please contact us for an offer for any of the above services.


Price List

Biz Loan Appraiser License

150$ per user first year

50$ per year subsequent years

Agri Loan Appraiser License

150$ per user first year

50$ per year subsequent years

Client Data API

1500$ per institution per year

Loan Data API

1500$ per institution per year

About Us

Loan Appraiser

Loan Appraiser Apps have been developed by:


Koen Wasmus - LoanAppraiser

Koen Wasmus

Koen is a senior SME/microfinance banker with over 20 years of experience in small business and agricultural lending. He has a strong personal interest in agricultural finance and was successful at establishing agricultural lending units within financial institutions. Koen has significant and diverse international short-term management consultancy and training experience.

Barbara Wasmus - LoanAppraiser

Barbara Wasmus

Barbara is a financial institution-building expert with many years of hands-on experience in lending to small entrepreneurs. As a former bank manager, she gained significant project management experience in the context of a major technological overhaul and its organisational and procedural implications. Barbara is also an experienced loan officer trainer.

Boudewijn van Breukelen - LoanAppraiser

Boudewijn van Breukelen

Boudewijn is a web and mobile-apps specialist with over 15 years of experience in software development and IT. Throughout his career, Boudewijn headed several IT departments at companies like Oracle and CGI. His passion is using technology to improve efficiency and automate repeating tasks.

Contact

Contact us at info@to_be_replaced • Phone: +31 6 51899938