Solutions
ACP Development Banking
Innovative digital lending solution to efficiently automate
Community & Development Banking loans
Community & Development Banking loans
Development bankers commonly face challenges involving higher credit risks and thin profit margins, in addition to strict regulatory guidelines, due to their market consisting of small communities and businesses.
ACP Development Banking provides lenders with an AI-powered digital lending solution that covers the end-to-end credit lifecycle of development banking while enabling lenders with enhanced credit risk management, future-proof sustainability, and efficient regulatory compliance.
ACP Development Banking provides lenders with an AI-powered digital lending solution that covers the end-to-end credit lifecycle of development banking while enabling lenders with enhanced credit risk management, future-proof sustainability, and efficient regulatory compliance.
Maximizing development impact through comprehensive loan origination software
Infrastructure Financing
Microfinance
Loans
Loans
Social Impact
Loans
Loans
Affordable Housing
Loans
Loans
Renewable Energy Loans
Agricultural
Loans
Loans
Empowering Development Banks with cutting-edge loan origination software
Future-proof your development banking with ACP’s end-to-end automation
Ensure a digital onboarding and a prompt loan initiation
- AI-powered borrower onboarding and Credit Application
- Pre-approved loans and Omnichannel customer experience
- Faster time-to-market for new products and offers
- Faster task approvals and controls
- 360° view of customer and prospect information
- Quick updates about credit application progress
Maximizing impact and minimizing risk through accurate creditworthiness assessment
- Real-time data integration with external and internal data sources
- Enhanced credit decision quality through integrated new data source
- Combined traditional and AI-based scoring models
- Customizable scoring template based on qualitative and quantitative scores
- Automated delegation of authority as per the institution’s credit policy
Compliance on regulatory requirements governing development and community banking
- Ensured compliance with community banking policies, GDPR international directives, and country regulations
- All community banking processes, classifications, structures, and hierarchies are fully handled and defined as per bank policies
- Automated delegation of authority as per the institution’s credit policy
- Loan documents generation
- Complete documentation workflows
- Generate your regulatory reporting
- Ensure detailed audit trails
- Data model flexibility and evolution
- Document tracking
Axe Credit Portal is trusted by
The African Development Bank (AfDB)
Established to support development endeavors across the continent, the African Development Bank (AfDB) partnered with ACP to deploy an automated credit and risk assessment system. ACP Development bank loan covers sovereign and non-sovereign lending activities, corporate credit workflows, and AfDB Corporate Rating models. It includes financial spreading, portfolio monitoring, and limit management (country limits, concentration limits, sector limits, and single obligor limits), as well as capital calculations (CRUR, WARR), seamlessly integrated with the bank's core banking system.
Developement Bank loans
FAQs
What is a development bank loan?
Development bank loans offer concessional terms like lower interest rates and longer repayment periods. They support projects contributing to sustainable development, infrastructure, poverty reduction, and social welfare. These loans serve governments, public entities, private enterprises, and non-profits for initiatives such as infrastructure, SME financing, agriculture, healthcare, education, and environmental conservation. Their aim is to stimulate economic progress and address developmental challenges.
What is the primary factor that bankers must prioritize when assessing a development bank loan application?
Bankers must prioritize assessing the project's impact on economic development, sustainability, and social welfare, leveraging AI to evaluate feasibility, viability, and alignment with regional or sectoral goals.
Additionally, AI-driven analysis of borrower creditworthiness, financial viability, and repayment capacity, coupled with risk assessment, ensures the loan's positive contribution to development objectives and financial stability.
Additionally, AI-driven analysis of borrower creditworthiness, financial viability, and repayment capacity, coupled with risk assessment, ensures the loan's positive contribution to development objectives and financial stability.