For banks and lenders
Digital origination without rebuilding the bank
White-label intake and workflow, and complete digital files from the broker channel instead of paper ones. Your branch, without the branch.
Trusted by Malta's banks
Every committee of the Malta Bankers' Association runs on a Banclo module.
The MBA — the association of Malta's licensed banks — has adopted a Banclo module as the platform for all of its committees: an end-to-end encrypted workspace where members draft, share and sign off documents. The same engineering, security and hosting stand behind everything on this site.
Malta Bankers' Association · platform provider for all committees
Origination, at digital speed
When the file arrives complete and structured, the numbers change.
6 min
from walking into a branch to a term sheet in hand
1 sec
to a structured file on your desk
days
to a signed sanction letter, not weeks
Proof of value · Malta · live bank environment
A walk-in customer at a branch received a term sheet in six minutes.
No appointment, no pre-filled file. The application was captured on the platform at the counter, the affordability and eligibility ran the moment the data landed, and the term sheet was issued before the customer left. The sanction letter followed within days.
Observed during a live proof-of-value with a Maltese bank. Individual results depend on product configuration and document readiness.
The platform
One platform. Every capability.
Everything origination needs — composed without code, run without paper.
No-code product composition
Assemble any product from building blocks — no engineering ticket.
Configurable workflows and approvals
Your process, your four-eyes rules, your escalation paths.
Automated risk assessment
Affordability and eligibility computed the moment the file arrives.
Multi-party e-signature (eIDAS)
Every borrower, guarantor and officer signs — legally, remotely.
Complete files from the broker channel
Identity, income and documents arrive structured and checked, not photocopied.
Full audit trail
Every field, consent and decision — timestamped and replayable.
The journey
Six steps. Zero paper.
Shown here: a mortgage. Every product composes its own steps.
- 1
Apply
The customer opens your product and starts online, from any device.
- 2
Share
Documents and data flow in as structured fields, not paper files.
- 3
Assess
Affordability and risk are computed automatically.
- 4
Decide
Your officers approve inside the workflow you configured.
- 5
Sign
All parties e-sign, eIDAS-grade, wherever they are.
- 6
Disburse
A complete, audited file — ready for the core.
From the Banclo blog
Reading for brokers and banks on Malta's property market
Get in touch
Tell us the product you want to launch — we'll show it running on Banclo.
Request a demoBanclo is a platform, not a lender — loans and policies are always issued by your institution