Loan, credit, and deposit products on one real-time core

Solid is built for teams who want their full product portfolio — instalment lending, revolving credit, and deposits — on the same ledger, configured the same way, with the same controls.

PRODUCTS

Three product families on one platform

Loan, credit, and deposit products run on the same core, through the same APIs and the same operating model.

Loan

  • Instalment and term lending with configurable amortization, fees, and schedules
  • Restructuring, settlement, and exception handling as first-class events
  • Operational and financial reporting tied to lifecycle state

Credit

  • Revolving credit and cards with real-time limit and available-balance logic
  • Transaction-level authorization inputs and utilization controls
  • Servicing flows for delinquency and recovery processes

Deposit

  • Call and term accounts on the same ledger
  • Real-time balance behaviour and interest accrual
  • Reporting and compliance evidence aligned to product state

CONFIGURABILITY

Launch new products through configuration, not code

All products are configured the same way. New product lines are expressed through configuration on the standard product engine — there are no new modules to install and no new capabilities to add to the core.

Same shape, every product

  • Loan, credit, and deposit are all configured through the same product engine
  • No special modules required to handle a new product line
  • One operating model — the same lifecycle, audit, and reporting paths apply regardless of product shape

Mix and match terms freely

  • Need a credit facility with the repayment structure of an instalment loan? Configurable.
  • Need a deposit with non-standard interest behaviour? Same path.
  • Cross-product behaviours don't require core changes or vendor consulting projects

CORPORATE & INTERNATIONAL FLEXIBILITY

Run multiple countries, entities, and currencies on one installation

Solid supports multi-jurisdiction and multi-entity operation natively, so groups can scale across markets without standing up parallel installations.

Multi-country

Operate the same product portfolio across multiple jurisdictions on a single installation, with country-specific configuration where regulation requires it.

Multi-entity

Run separate legal entities side-by-side on one platform — shared operations, distinct books, distinct reporting, no separate deployments.

Multi-currency

Hold balances, accrue interest, and post transactions across multiple currencies natively, with consistent treatment across products.

REAL-TIME OPERATIONS

Current invoicing, balances, and decision context

Real-time processing keeps finance, risk, and servicing teams aligned on the same state throughout the day.

  • Invoicing accuracy

    Invoice generation and posting use current product and account state, so what the customer sees and what finance reports match the same moment.

  • Live balances

    Available balance and utilization metrics stay current across channels — no overnight wait, no per-channel reconciliation.

  • Decisioning inputs

    Risk controls and credit decisions read up-to-date exposures and limits directly from the core, not from a snapshot taken hours ago.

  • Collections support

    Recovery teams act on current delinquency status and payment events, with the same lineage available to servicing and audit.

  • Finance and operations alignment

    Bookkeeping, regulatory reporting, and operations all read from the same posted state — there's no end-of-day reconciliation step before the numbers agree.

COMPLIANCE AND REPORTING

Control and evidence built into workflows

Consumer finance operations need both speed and traceability. Solid is designed to keep these concerns in the same operating path.

Compliance by design

  • Audit trails tied to product and servicing events
  • Configurable controls for policy and regulatory workflows
  • Visibility for follow-up and exception management

Reporting reliability

  • Operational and finance teams read from aligned core data
  • Reduced end-of-period reconciliation effort
  • Clear lineage for internal and external review

WORKING SESSIONS

Shape the product platform with us

Solid runs working sessions with banks and lenders across the Nordics on loan, credit, and deposit configuration. Bring product, risk, and servicing stakeholders — we'll walk through the operating model end to end.

Schedule a call See core platform page