What's in the box?

Oome cuts to the chase, offering an elegant and flexible credit decisioning and loan management system. That’s it. We get out of your way and simply do the heavy lifting and labour intensive parts.

Intuitive processes let your team get on with business rather than wrestling the software.

Your brand runs through everything borrowers see: the URL, all generated documents, the customer portal, and every email and text message. No co-branding, no confusion.

Emails are sent from your own domain using DKIM, so they arrive as yours and land where they should. Borrowers never see Oome. Your brand, your way.

Oome features 2-factor authentication and no passwords. To access the system you need a valid email address for a user in the system. Oome will email you a one-time code that you need to provide to log in.

Access levels and roles are managed per user, with roles giving you granular control over exactly what each person can see and do.

All traffic to Oome is encrypted with industry standard HTTPS connections. Data security is very important to us and we are always willing to provide customers with a comprehensive IT security audit.

Oome is was designed from the ground up to have a comprehensive audit trail. All API interactions are recorded and atttributed to a user.

Because Oome brings credit decisioning, loan management and a customer portal together in one system, there’s no rekeying and no gaps in information. One audit trail, one source of truth for reporting, quoting and documentation.

You can use credit decisioning or loan management separately, but the integrated workflow makes the end-to-end process seamless, and one you can rely on.

Generate any document you need directly from the system. Not canned templates that look like your competitors’. Your documents. Integrated online signatures make it easy to get borrower approval when required, and the whole process is automated, so you can see the moment they’ve signed.

Statements, payout quotes, term sheets and more are generated the same way, and automatically attached to the finance application or loan. Easily at hand, with a full audit trail.

Oome is API-first, from the ground up. Everything the application can do is available through a clean, well-documented API, so your existing systems integrate with Oome directly rather than working around it.

Use the API to serve instant quotes on your own website, build custom front-ends for your team or your borrowers, and automate the repetitive tasks that would otherwise eat up time. The same API powers Oome itself, so anything the product can do, your integrations can do too.

If your current system keeps telling you how “AI native” it is, it’s worth asking how many hallucinations you really want in an account statement.

Oome does it differently. The core system is cold, hard code. Tested and solid.

We use AI for the fluffy stuff, like summarising loan notes to give users a succinct description of the history of interactions with a borrower.

We also use it for very specific parts of credit decisioning, which we call sentiment analysis. There is more to credit risk than a score and a bank statement.

And yes, the tasteful scenes wrapped around the screenshots on this very website? That’s AI too. Turns out it beats yet another stock photo of people pointing at a laptop.

Good data leads to good insights. Quality reporting leads to accurate risk assessment and informed business strategy.

Oome provides a variety of reports that assist you in understanding the health of loans and the state of your business. The data helps you visualise the origination pipeline, so you can accurately assess risk and improve loan quality.

Additionally, Oome offers on-screen analysis throughout the system. Informative graphs and data are at your fingertips, constantly.

Oome runs as a shared SaaS platform, with your data always kept segregated from every other subscriber. For most businesses, that is exactly what they need.

Standalone deployment is available as an option if you want it. Your business gets exclusive access to its own dedicated servers and full control over your data. Either way, you receive all feature improvements and updates free of charge.