Payroll-backed credit referencing

Lend on facts, not guesswork.

CreditRefPro puts employers, lenders and employees on one record. Verified payslips and declared assets produce a real affordability limit — then every facility, approval and payroll deduction is tracked against it.

Affordability limits computed from verified income
Two-sided approvals secured with one-time passwords
Voluntary, wrongful and failed deductions in one ledger

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4 Lenders

3 Clients

10 Revenue sources

One platform, three views

Built for everybody in the lending chain

Each party signs in to a workspace shaped around what they actually do — and sees only the records they are entitled to see.

Employers

The organisation that runs the payroll.

Maintain the staff register and client records
Define facility types, revenue sources and asset types
Set and review affordability limits
Oversee every application and payroll deduction

Lenders

Banks, credit unions and financial institutions.

Publish your institution profile and team
Receive applications with affordability already verified
Approve, reject or terminate facilities
Follow repayments through the deduction ledger

Employees

Staff applying for credit against their salary.

Declare sources of income and personal assets
See exactly how much you can afford to borrow
Apply for a facility and approve it with an OTP
Flag any deduction you did not authorise

Capabilities

Everything the credit file needs

From onboarding an employee to closing out the last deduction — the whole lifecycle lives in one system of record.

Staff & client register

Onboard employees by staff ID with email verification, then keep one consolidated profile per person.

Sources of revenue

Capture every income stream — salary, allowances, side income — against a configurable list of revenue types.

Asset register

Record property, vehicles and other holdings by asset type to give lenders a fuller picture of net worth.

Payslips

Generate and store payslips so income evidence is always current and never has to be chased by e-mail.

Affordability limit

Turn verified income, existing commitments and assets into a single limit that governs what can be approved.

Facility types

Model the credit products you offer — loans, advances, hire purchase — and control what employees may apply for.

Lender directory

Facility applications

Track every application from submission to active, completed or terminated — with the full history attached.

Two-sided approvals

Both the employee and the lender must approve, each confirmed with a one-time password before anything is binding.

Deduction ledger

Potential, voluntary, wrongful and failed deductions all live in one place, each with its own review queue.

Dispute handling

Employees mark a deduction as wrongful; the employer investigates and unmarks it once resolved. Nothing gets lost.

Notifications

In-app alerts on every approval, rejection, termination and dispute, so no party is left waiting in the dark.

How it works

From sign-up to settled deduction

The workflow mirrors how payroll lending actually happens — every step leaves a record the next step can rely on.

Create your account

Employees register with their staff ID, lenders with their institution. E-mail verification and an OTP confirm who you are before anything else happens.

Declare income and assets

Add each source of revenue and every asset you hold, then attach the payslips that back them up.

Receive an affordability limit

The system weighs verified income against existing deductions and commitments, and publishes the limit to you and to lenders.

Apply and get approved

Pick a facility type and a lender. The lender reviews, then both sides confirm with an OTP — only then does the facility become active.

Repay through payroll

Deductions run against the facility and stay visible to all three parties. Anything unexpected can be flagged, reviewed and corrected.

Security

Consent and controls at every step

Credit data is sensitive, and payroll data doubly so. CreditRefPro is built so that no party can act on another's behalf without an explicit, recorded confirmation.

One-time passwords

Registration, applications and approvals are each confirmed with an OTP sent to the account holder.

Verified e-mail addresses

No account becomes usable until its e-mail address has been confirmed through a signed verification link.

Role-based access

Employers, lenders and employees each get their own workspace and can only reach the records their role permits.

A traceable record

Approvals, rejections, terminations and disputes are all timestamped, so the history of a facility is never in question.