Platform · Lending
A lending engine built for the full loan lifecycle.
From origination hand-off to final repayment, Kernhaven runs amortising, interest-only, revolving and bullet loans on the same ledger as your deposits — so exposure, arrears and provisioning are always in sync.
Capabilities
What you get with Kernhaven Lending
Flexible schedules
Annuity, linear, bullet, balloon and custom schedules with holidays, grace periods and step-rates.
Arrears & collections
Automated arrears ageing, penalty interest and event hooks to your collections platform.
Restructuring
Payment holidays, term extensions and rate changes with full recalculation and customer notification events.
IFRS 9 support
Stage tracking, ECL inputs and provisioning postings exposed to your risk engine.
Mortgages
Multi-part mortgages, offset accounts and fixed-rate periods with automatic resets.
Credit lines
Revolving facilities and overdrafts with real-time limit checks on every posting.
Configure, don't code
Your product is a file, not a project.
Every lending product is a versioned definition. Review it like code, simulate it on staging, and promote it to production with four-eyes approval.
- Versioned — every change is tracked and reversible.
- Simulated — test the impact on real portfolios before go-live.
- Approved — built-in four-eyes workflow for risk and compliance.
product: personal-loan
version: 1.4.0
currency: EUR
amount: { min: 2500, max: 75000 }
term: { min: 12, max: 120, unit: months }
schedule:
type: annuity
firstDueAfterDays: 30
interest:
type: fixed
rateFrom: pricing-engine
arrears:
graceDays: 5
penaltyRate: 2.00
ifrs9: { staging: enabled }See Kernhaven in action.
Book a 30-minute walkthrough. We will launch a live product on the platform, from configuration to first posting.