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CrediSphere Overview
The CrediSphere^TM suite can support all types of loans, direct and indirect consumer, business and mortgage. The key is that from the first implementation, you will be utilizing the MetaSage Universal Application and Integration Server, which allows quick and easy deployment of additional lending modules.

CrediSphere offers unparalleled solution strength across multiple lines of lending. For example, within indirect lending, CrediSphere allows you the ability to quickly set up dealer information including reserve plans and contact information. Additionally, CrediSphere offers Kelly Blue Book and NADA valuation guide integration. To support the delivery of applications to you from the dealer, CrediSphere offers multiple interfaces, including Route One, Dealer Track as well as the CrediSphere Dealer Web lending application. Your reporting capabilities are virtually unlimited because of CrediSphere's ODBC compliant open database.

Line of Credit lending, specifically Home Equity lending, is very strong within CrediSphere. You can capture more data from your preferred vendors and have that data presented for decisioning in a automated and precise manner. Loan payments are calculated using either fixed rates or variable rates, using a defined index with plus or minus margins, depending on what the borrower qualifies for. Complete document sets can be simply printed during the appropriate phase of the application process, either by staff or by member, through the CrediSphere document system.

CrediSphere Business Lending supports many valuable features such as multiple facilities within a single application, configurable financial statement formatting and cash flow analysis, and integration to third party scorecards such as Fair Isaac LiquidCredit.

CrediSphere is designed to drive down costs while ensuring quality decision-making. It is comprised of components that reside on a universal software server, the MetaSage Server that combines the major functions common to all business applications: deployment, administration, security access, user profiles, and communication.
MetaSage Server
The MetaSage Server is a universal business software architecture, which combines the major functions common to all business applications: deployment, administration, security, access, user profiles, and communication.

This creates an elegant separation of the business application functions from the underlying technology needs of a given vertical application. This also dramatically reduces failure points and increases flexibility and connectivity. The power of the platform allows best-of-breed application development and deployment in a dramatically reduced timeframe.

	Features
Integrates disparate data Provides maximum flexibility Scales easily from departmental to multi-site, enterprise-wide deployment Enables multiple levels of secure access Minimizes infrastructure costs Enables LAN/WAN, Internet and Intranet operation with minimum bandwidth requirements

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