APEX
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How it works

Every step a deal takes — without you doing it manually.

Who does what, at every step. Eleven steps from application received to investor paid out, and eight from first missed payment to recovered or restructured.

The deal workflow

4 steps automated

  1. SystemStep 01

    Application received

    Your application arrives from the web form or Apply@ email and creates itself in the CRM — with KYC documents attached and a deal record opened.

  2. Your teamStep 02

    KYC & NCA pre-screen

    Documents verified, NCA pre-screening run. Pre-screening cannot be bypassed.

  3. SystemStep 03

    Internal risk assessment

    The risk engine scores the deal — credit score 40%, financials 30%, industry risk 20%, collateral 10% — and assigns a risk profile.

  4. Your MDStep 04

    Approval workflow

    Deal routed through your approval policy. Loans above your committee threshold — e.g. R1,000,000 — are auto-forwarded to the Credit Committee for mandatory sign-off.

  5. SystemStep 05

    Funding request to investors

    Co-funder allocations published to the fund partners involved. No phone tag.

  6. Your teamStep 06

    Disbursement

    Approved funds appear in the Disbursement Queue, authorized and paid by EFT — wired via FNB / SBSA / Nedbank mandates.

  7. SystemStep 07

    Deal enters active loan book

    Principal, balance, repayment schedule and next due date tracked. Payment reminders scheduled (WF-103).

  8. SystemStep 08

    Repayments reconciled

    Payments recorded against the loan, status updated, aging schedule recalculated, fee & interest invoices generated.

  9. SystemStep 09

    Deal settles

    The settlement moment: interest income is split across every investor by their model — penalty and reward rates applied.

  10. SystemStep 10

    Payout schedule published

    Every investor's return, contribution and the operator's retained margin — visible instantly in the investor ledger, WF-107 notifications sent.

  11. Your teamStep 11

    Investors paid

    Payouts confirmed against the schedule. The ledger closes itself. You answer with a link, not a phone call.

The collections workflow

3 steps automated

  1. SystemStep 01

    First missed payment

    The account drops into the PAR 1-30 bucket automatically the day after the due date.

  2. Your teamStep 02

    Dialing queue

    Every call logged against the borrower — days overdue, priority, last contact, outcome. Nothing lives in someone's head.

  3. Your teamStep 03

    Promise captured

    A promise to pay is logged with a date. Auto-reminders take over from there.

  4. SystemStep 04

    Automated SMS campaign

    Payment reminders go out by SMS and WhatsApp on the promise date (WF-103). No chasing.

  5. SystemStep 05

    Escalation triggered

    Missed promises escalate through the PAR buckets — 31-60, 61-90, Legal/NPL — and to your manager (WF-104).

  6. Your teamStep 06

    Restructure or arrangement

    A revised schedule is created and tracked with the same discipline.

  7. SystemStep 07

    Recovery reconciled

    Payments match, buckets update, collector performance and aging schedule re-reported.

  8. SystemStep 08

    Outcome recorded

    Recovered or written off — the trail is complete and audit-ready.

The settlement moment is where APEX earns its keep.

When a deal settles, every investor's return is calculated automatically — 50/50 split or fixed return, penalty and reward rates applied, your retained margin shown. No formula in a head. No hope. Just the schedule, published and notified.

Try it on your numbers

The 20-minute walkthrough, compressed

  1. 1

    You enter a deal from your own book

    amount, term, investors

  2. 2

    APEX applies every model

    50/50 splits, fixed returns, penalties, rewards

  3. 3

    The payout schedule appears

    every investor's return, your retained margin

  4. 4

    You decide

    this is what every settlement looks like after go-live