AUTOMATED LOAN DECISIONING

Ideal Lender

Speed approvals, ensure compliance, and deliver a digital-first lending experience.

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Since 2024

applications processed

0 k+

applications approved

5 k+

mortgages approved

1 B+

Consistency & Efficiency

Automated adjudication standardizes lending, speeds approvals, and lowers costs.

Enhanced Member Experience

Instant decisions and smart cross-sell offers boost satisfaction and loyalty.

Digital Origination

Reporting and analytics reveal trends and insights for smarter lending.

Risk Mitigation & Compliance

Centralized controls uphold policy, limits, and regulatory alignment.

Flexibility & Customization

With 16 configurable decision strategies, covering mortgages, HELOCs, auto loans, unsecured credit, RRSP loans, and more—you control how applications are assessed.

How it works

  1. Application Intake – Direct, digital, or broker-originated applications flow seamlessly into your LOS.
  2. Smart Decisioning – Bureau data and your business rules determine outcomes: Approved, Review, Refer, or Declined.
  3. Intelligent Routing – Applications are automatically sent to the right decision tree based on type, collateral, or source.
  4. Audit & Oversight – Every decision is logged for compliance transparency.
  5. Cross-Sell Potential – Eligible applicants can be offered additional unsecured credit instantly.

Key Use Cases

  • Digital Lending: Instant approvals for online loan applications.
  • Indirect Lending: Streamline dealer and broker-originated loans.
  • Portfolio Growth: Unlock new cross-sell revenue opportunities.
  • Operational Efficiency: Free staff from routine adjudications and focus on complex cases.

"Ideal Lender has streamlined our consumer lending process. Loan applications are auto-decisioned in seconds, using our defined and customizable decision trees ensuring that every product type is handled accurately and according to our policies. We’ve reduced manual reviews and improved turnaround times, giving both our lenders and our members the timely decisions they expect. From implementation to growth, the Covaleyo team has been there to fully support our Ideal Lender journey."

Dallas McDonald
Vice President Retail Credit & Dealer Finance

Integration of Ideal Lender and Digital Lender

Digital Lender handles online application intake (member portals or broker platforms like Filogix).
Ideal Lender applies your pre-set lending rules to auto-decision those applications inside ProLender.

This integration is especially valuable for broker-driven lending, where automation saves time and boosts efficiency.

How it works:
1. Member or broker submits through Digital Lender.
2. Application flows into ProLender.
3. Ideal Lender instantly decides: Approve, Decline, or Review.
4. Outcomes can be sent back automatically, reducing manual underwriting and speeding turnaround.

Unlock the Future of Lending

Today’s members expect approvals in minutes, not days. Yet manual reviews, policy complexity, and compliance demands slow lending teams down. Ideal Lender by Covaleyo combines automation with control, delivering faster approvals, consistent decisions, and compliance assurance without sacrificing your institution’s unique lending policies.

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Digital Lender

A digital loan origination solution for members and brokers. It simplifies application intake and, when paired with Ideal Lender, enables instant, seamless decisions.

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ProLender

A modern loan origination platform that streamlines workflows, ensures compliance, and delivers full lending visibility. Together with Ideal Lender, it creates a faster, more connected lending process.

Learn more about our integrations

Every great relationship begins with a conversation.

Covaleyo’s Ideal Lender helps you:

✔ Reduce decision times from days to minutes
✔ Improve compliance confidence
✔ Increase lending efficiency and member satisfaction

Book a demo today.

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