From customer lead to disbursement – the web-based property financing software

MONTO digitalises and automates your entire property financing process – from application submission to loan disbursement. For all financial institutions seeking to combine efficiency, compliance and customer satisfaction in one system.

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Our clients

What is MONTO?

MONTO is a web-based, omnichannel-capable property financing software for the standardised and automated management of property financing. With its integrated rule set, powerful calculation engine, complete document management and direct interfaces to external platform providers, credit bureaus, geo-data providers and your back-end systems, MONTO covers the entire processing workflow seamlessly.

From application submission through review and voting to fully automated contract drafting – front office and back office work in a continuous workflow, without media discontinuities.

In addition, MONTO is available with tailored modules for home loan savings (Bausparen) and supplementary insurance products. No investment in your own hardware or IT support is required.

Your benefits at a glance

01

Proven

Demonstrably greater efficiency at lower process costs.

02

Customisable standard

Over 10,000 bank-specific configurable rules and parameters.

03

System-independent

Operated as an ASP or SaaS solution – no additional investment in hardware or support required.

04

Multi-channel use

Customisable versions for parallel use across multiple sales channels.

05

AI-supported document management system

Including a digital file for efficient document creation and document management.

06

Comprehensive interface concept

Fully integrated for a continuous end-to-end workflow without media discontinuities.

07

Automation

Maximum process efficiency through fully customisable dialogues and processing flows.

Property financing software: turning professional complexity into clear processes with MONTO

Increasing regulation, growing product diversity and rising demands on documentation and document management: anyone handling property financing juggles a multitude of requirements every day – often still spread across various systems and manual steps.

MONTO is the property financing software that brings everything together in one system. Front office and back office work in a shared, continuous workflow – no media discontinuities, no redundancies, with maximum process security.

Core functions

For the front office

All products and sales channels centrally controllable in one system
Immediate, detailed feasibility check with defined decision parameters in real time
Automated integration of external information systems (Schufa, Creditreform and others)
Automated valuation of all collateral assets
Dynamic offer and document generation from a single system
Complete digital document management
Compensation calculation and management of all consultant master data
Cross-selling, reporting and individual front-end variants

For the back office

End-to-end process without media discontinuities through to the back end (straight-through processing)
Powerful decision engine with over 10,000 rules and automated collateral assessment
Seamless real-time communication management between front office and back office
Automated risk classification and determination of unsecured shares
Comprehensive authority system with process and voting management
Role- and rights-based access for secure, compliant processing
Risk-adjusted processing from information systems (Schufa, scorecards and others)
Rule adjustment by sales channel and risk content

What sets MONTO apart from other solutions

MONTO is more than just credit processing software – it is the operational backbone for modern, digital property financing. The platform grows with your requirements and can be precisely tailored to your processes.

01

Proven standard with individual depth

A single software code allows over 10,000 bank-specific configurable rules and parameters – maximum flexibility with minimal maintenance effort.

02

Regulation as an opportunity

MONTO automatically integrates all relevant regulatory requirements – from the Mortgage Credit Directive to ESG factors and sustainability ratings. Advisors are guided in a context-sensitive manner without needing to know the complexity in detail.

03

Automation without compromise

Processes are system-controlled and fully automatically processed – manual interventions become the exception, not the rule.

04

System-independent and secure

As a SaaS/ASP solution, MONTO runs on all common operating systems and browsers. Hosting, monitoring and security to standard banking standards – without your own hardware investment.

05

Seamless integration

Bidirectional interfaces to core banking systems (SAP, EFDIS, H1 X-MAP), credit bureaus (Schufa), geo-data providers (vdpResearch, F&B, GSD), KfW and sales platforms such as Interhyp ensure a seamless end-to-end process.

System architecture

Download architecture overview

Who is MONTO designed for?

MONTO was developed for institutions that conduct property financing on a substantial scale and want to combine quality, efficiency and scalability.

The solution is aimed at:

Savings banks (Sparkassen) and cooperative banks
Universal banks and regional banks
Specialist lenders with property financing business
Institutions with multiple sales channels and external sales partners
Financial institutions with requirements for ESG-compliant lending

Frequently asked questions

Yes. MONTO has a comprehensive interface concept that connects the entire end-to-end process:

Incoming transactions are transferred directly into MONTO via REST API from third-party systems – including other financing platforms
Valuation and review are automated through interfaces to credit bureaus (Schufa, Creditreform and others) and geo-data providers (vdpResearch, F&B, GSD)
Back-end connection to the financing partner’s systems – Atruvia, SAP, EFDIS and H1 X-MAP – is bidirectional and without media discontinuities

That depends on your configuration – but MONTO is designed to handle the entire process from application submission to contract disbursement without manual intervention. The financing platform reduces the queried data to the necessary optimum in each case, case-specific and user-specific.

Regulatory requirements – from the Mortgage Credit Directive to ESG scoring and sustainability rating – are fully automatically integrated into MONTO. Advisors are guided in a context-sensitive manner without needing to know the underlying rules in detail.

MONTO offers over 10,000 bank-specific configurable rules and parameters. Changes can be made directly by the financial institution in real time using BasicMode.

Ready to take your property financing to the next level?

MONTO is the answer if you want to:

Digitalise and automate credit processes end-to-end
Support advisors in a more targeted and efficient way
Map regulatory and ESG requirements automatically and in compliance with the law
Significantly reduce processing times
Centrally manage multiple sales channels from one system

Get to know MONTO in a personal conversation.

Schedule a consultation

In a joint conversation, we will show you:

How your specific financing processes can be mapped in MONTO
What automation potential is realistic at your institution
How an integration into your existing IT would look
What results other institutions have already achieved

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