Apprivo

Apprivo is a mortgage and lending origination platform from Finova, a UK financial technology company serving lenders, intermediaries and financial institutions. It is designed to streamline the origination journey with a customisable platform that helps lenders make well-informed decisions quickly and consistently. Lending organisations face increasing pressure to deliver faster decisions while managing risk, meeting regulatory obligations and providing a good experience to brokers and borrowers. Legacy origination systems are often inflexible and expensive to change, making it difficult to launch new products or adapt to market conditions. Apprivo addresses this with a configurable, cloud-based origination solution that supports a wide range of lending products and can be tailored to each lender's policies and workflows.

The platform manages the end-to-end application process, from intermediary or direct submission through data capture, document collection, underwriting, valuation, offer and completion. Configurable workflows and business rules automate routine steps and route cases to underwriters when manual assessment is required. Integration capabilities connect Apprivo with credit reference agencies, affordability and fraud checks, valuation panels, open banking providers, identity verification services and core banking systems, allowing decisioning data to be gathered automatically. Broker portals enable intermediaries to submit and track applications, reducing communication overhead, while case management tools give underwriters a comprehensive view of each application. Audit trails and reporting support compliance with Financial Conduct Authority requirements and internal governance. Because Apprivo is configurable, lenders can introduce new products, criteria and processes without extensive development. The platform supports residential and buy-to-let mortgages, second charge lending, bridging finance, commercial lending and specialist products, and is used by building societies, specialist lenders, challenger banks and other financial institutions, predominantly in the United Kingdom. As part of Finova, it can be combined with related software for mortgage servicing and intermediary distribution. Pricing is quote-based and not published in this listing, and no free version or free trial details are provided.