How companies launch lending with us
TS LMS is a core banking system for lending. Four ways companies that are not banks put it to work, with TS HRM + EWA for employers.
- 1
Loans and instalments for your own customers, suppliers or merchants (embedded finance)
- Who it suits
- Retailers, platforms, distributors and manufacturers with a large base of customers or trading partners.
- What you launch
- Consumer or business loans and instalment plans offered inside your own app, store or ordering channel.
- Your existing systems
- Your ERP stays the system of record for sales; TS LMS manages the loans and exports the monthly journal for your accounting.
- 2
Launching a sales-finance or finance subsidiary
- Who it suits
- Groups setting up a finance subsidiary, or manufacturers and distributors that want dealer or customer finance of their own.
- What you launch
- A licensed lending company with its own products, credit policy, collections and reporting.
- Your existing systems
- A dedicated TS LMS environment for the subsidiary, with the journal exported to the group’s accounting.
- 3
Earned wage access for your employees
- Who it suits
- Employers with a large workforce who want to offer pay already earned, before payday.
- What you launch
- Earned wage access on TS HRM + EWA, limited to wages already earned and deducted from the same month’s payslip.
- Your existing systems
- Works from attendance and confirmed payroll; payroll data can be read through the API, and payment runs through a bank transfer file.
- 4
Joint ventures with financial institutions
- Who it suits
- Companies that bring customers and distribution, partnering with a bank or licensed lender that brings funding and a licence.
- What you launch
- A jointly run lending business with clear roles for origination, funding, servicing and reporting.
- Your existing systems
- A dedicated environment for the venture; each partner receives the reports and journal it needs.
Why TS LMS
A bank’s core system, delivered to companies
- It is built as a bank’s core system, with two-person approval, a tamper-evident audit log and a separate environment for each company.
- It covers the full lending cycle: product set-up, underwriting, disbursement, repayment, collections, accounting integration and audit.
- You do not need to replace your existing ERP or accounting systems.
- You launch in stages, starting with Phase 0 (about 3 months).
- A dedicated environment for each company, with two-person approval and an audit log.
- Detailed architecture and controls are explained individually after an NDA.
- A decision point at the end of every phase.
- Integration with your ERP and banks, as set out below.
Integrations and their status
- AvailableMonthly general-ledger journal export (CSV / JSON file) for import into your accounting system or ERP
- AvailableBank statement import and automatic matching of receipts
- AvailablePartner API with per-key access (read)
- In developmentPartner API write access
- Awaiting acceptanceDirect bank connection for disbursements (host-to-host): built, awaiting the bank’s acceptance testing
- In developmentPosting journals directly to accounting systems through their APIs