Configurable Rate Cards That Empower Smarter Cloud Based Lending

In lending, pricing isn't just math—it's strategy. Whether you're competing for high-quality borrowers or balancing risk and return across a diverse portfolio, having flexible, transparent rate card management is critical.

Symphonix lending software delivers exactly that. With our built-in Rate Card functionality, lenders can create, configure, and deploy pricing structures that adapt to the market, product type, and borrower profile—all from within the origination system.

What Are Rate Cards in Symphonix?

Rate Cards are centralized pricing definitions that allow lenders to specify interest rates, fees, terms, and conditions for loan products. More than static tables, Symphonix Rate Cards are dynamic and rules-driven—adjusting based on borrower attributes, loan amount, loan term, and channel. These rules can dynamically evaluate nearly any field captured during the application process—such as credit bureau scores, employment type, geographic region, application channel, or even bundled products—enabling extremely precise pricing models.

They support a wide variety of lending models including:

• Tiered pricing by credit score or risk grade

• Product-specific pricing rules

• Broker or channel-based adjustments

• Volume-based or promotional pricing structures

All Rate Cards are version-controlled and tied to product configuration, ensuring compliance and traceability in a cloud-based lending environment.

How It Works – A Practical Example

Imagine a lender offers personal loans through both a direct channel and a broker channel. For the same credit score, they want to offer different rates:

• Direct borrowers with Score > 750: 7.5% interest

• Broker-introduced borrowers with Score > 750: 8.25% interest

Using Symphonix:

1. The administrator defines a Rate Card with multiple rate tiers.

2. Each tier includes parameters like score range, loan term, and source channel.

3. When an application is submitted, the system automatically applies the correct pricing.

4. That rate flows into downstream calculations, disclosures, and contract generation.

The result: real-time pricing precision that aligns with your business goals.

Why It Matters

From Bottleneck to Business Accelerator

In a world of Digital Lending 2.0, manual pricing is a bottleneck. Symphonix Rate Cards eliminate guesswork and reduce risk by:

• Enabling automated rate assignment

• Supporting fast product launches with new pricing

• Enhancing borrower transparency with consistent offers

• Maintaining pricing consistency through version-controlled rate cards, with the ability to track changes and apply rules based on effective dates

And because they live within your cloud-based lending platform, there’s no need to manage external spreadsheets or disconnected pricing logic.

Smarter Pricing Starts with Symphonix Lending Software

With Symphonix lending software, Rate Cards are more than configuration—they're a competitive advantage.

Whether you're optimizing retail rates, launching promo offers, or segmenting pricing by channel, Symphonix helps you deploy smarter pricing strategies with confidence.

🔹 Ready to put your pricing engine to work?

Let’s talk about Rate Cards and the future of intelligent loan origination.