TurnKey Lender

TurnKey Lender is a lending automation software vendor founded in 2014 by Dmytro Voronenko and Elena Ionenko. It set up in Singapore in 2015 and moved its main office to Austin, Texas in 2017, keeping offices across North America, Europe and Southeast Asia. It sells to banks, non-bank lenders and companies that finance their own business customers, replacing manual credit assessment and spreadsheet-based servicing.

The platform covers the full loan lifecycle: origination, AI-based credit scoring and decisioning, underwriting, loan servicing, collateral management, debt collection and reporting, with more than 75 preconfigured integrations. Scorecards and decision rules are configurable per product, so one system can run commercial, SME, equipment, embedded and microfinance lending. The company reports over 200 active clients operating in more than 50 countries, holds ISO certifications and SOC 2 compliance, and was named a Leader in the IDC MarketScape for North American consumer and small business lending platforms.

1. Loan origination: configurable application intake and workflow for commercial and SME products.

2. AI decisioning: machine-learning scorecards and rule sets that produce automated credit decisions per product.

3. Loan servicing: schedules, repayments, restructuring and collateral management after disbursement.

4. Debt collection: built-in delinquency workflow rather than a separate system.

5. Integrations: more than 75 preconfigured connectors to bureaus, banking and accounting systems.

6. Reach: over 200 active clients in more than 50 countries, including Southeast Asian lenders.