Solutions
Installment loan software for non-bank lenders
Installment loan origination requirements
Installment loans — fixed payment schedules, defined terms — carry compliance obligations that begin at application. Under ECOA and state equivalents, lenders must provide adverse action notices with specific reasons when applications are denied. That requires a documented decisioning process, not just a binary outcome.
Hadrian structures the origination workflow so the evidence behind each decision — credit inputs, income verification, underwriting criteria applied — lives in the case record alongside the decision. Adverse action documentation can be generated from the decision record rather than assembled after the fact.
Consistent underwriting criteria across the portfolio
Installment loan portfolios are examined for consistency: do similarly situated applicants receive similar outcomes? Demonstrating that requires underwriting criteria that are applied consistently and documented case by case. When criteria live in a reviewer's head or an informal checklist, consistency is hard to prove.
Hadrian's workflow stages enforce a consistent review sequence. The evidence graph captures what inputs were used for each case. The audit ledger shows when each decision was made and by whom. That documentation infrastructure supports the consistency analysis a fair lending review requires.
State licensing and record retention
Non-bank installment lenders operate under state licensing regimes that vary significantly by state — many require record retention for three to five years or more, and some require examination-ready documentation of underwriting processes. Hadrian's tamper-evident ledger retains the full case record and makes it retrievable without reconstructing it from email.
Compliance with state licensing requirements is the lender's obligation. Hadrian provides the infrastructure to document the process; operators must ensure their workflow meets applicable requirements in the states where they lend.
FAQ
Installment Loan Software — common questions
Does Hadrian generate adverse action notices?
Hadrian's workflow supports adverse action documentation — recording the decision, the specific reasons, and the evidence — and can generate adverse action artifacts from the decision record. Whether a generated notice meets the format required by ECOA, Regulation B, or applicable state law is a compliance determination the operator must make with qualified counsel.
Can I configure different underwriting criteria for different loan products?
Yes. Hadrian's workflow stages and decisioning criteria are operator-configured. You can maintain separate configurations for different loan products, term ranges, or borrower segments, each with its own evidence requirements and review steps.
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