arrow_circle_right Debt restructuring platform
Turn a customer’s inability to pay into an opportunity
A self-service hardship and loan modification platform built around the core banking system you already run. Give eligible borrowers a simpler way to arrange repayment while keeping your institution’s approval rules in place.
arrow_circle_right EXPERTS YOU CAN TRUST
Delivered by experts in the United States
Spyrosoft has delivery centers in Ann Arbor (MI), Pittsburgh (PA) and Raleigh (NC), alongside vast experience spanning fintech, banking, private equity, and debt management across Europe and the US.
arrow_circle_right Our clients
They’ve trusted us
arrow_circle_right STRONG BUSINESS CASE
Why restructuring is more important than ever
The problem
- Household debt is at a record high, and more customers are falling behind than at any point in almost a decade
- Many banks and credit unions still manage restructuring the old way: manual, paper-heavy, and phone-led
- That approach generates increased costs every time volumes rise, plus it frustrates customers who expect the same digital ease they get everywhere else
The consequences
- Restructuring conversations can drag on for weeks when they could be settled in minutes
- Advisors are overly focused on paperwork instead of on talking to customers
- Operational load rises just as portfolios come under more pressure
- Preventable defaults – and preventable losses
The solution
The Debt Restructuring Platform is a secure, digital-first platform that fits around the core banking system you already run – Fiserv, FIS, Jack Henry, Corelation, or otherwise – so your team can offer flexible, compliant restructuring options without losing what already works.
Five years of self-service debt restructuring in practice
Over five years, the self-service platform we built and continue to develop for a leading European retail bank has seen growing adoption across desktop and mobile devices.
The bank reports more promises to pay through the portal than through its call center, with a higher fulfillment rate. Proactive outreach encourages customers to act before payments become overdue, and the bank also reports fewer accounts entering early delinquency.
3 in 4
restructuring cases now handled through the self-service portal
4.5 stars
average user rating for the platform’s self-service experience
250,000
customers used the platform to manage their repayment terms
Note: Results may vary depending on your customer base, credit products, and servicing policies.
arrow_circle_right BENEFITS
Turn restructuring into a business advantage
With the Debt Restructuring Platform, you can expect the following benefits:
Real-time risk visibility
Spot early warning signs with live dashboards and alerts, integrated with your existing scoring systems.
Earlier intervention
Help customers access repayment options before payments become overdue through proactive notifications and self-service support.
Digital repayment commitments
Let customers make repayment commitments online and give your team visibility into whether they are being met.
New revenue opportunities
Use restructuring as a moment to cross-sell, consolidate, or set up new credit, not just recover what’s owed.
Less manual work
Automate routine tasks and follow-ups, with specialists stepping in at defined stages or when a case meets your escalation criteria.
A better customer experience
Let customers explore repayment options and accept new terms on mobile or desktop, at a time that suits them.
Compliance built in, not bolted on
Stay aligned with the FDCPA, Regulation F, TCPA, and GLBA, with a full audit trail and data protection built into every step.
arrow_circle_right RESTRUCTURING IN DETAIL
How the restructuring process works
Here’s how your clients (and your team) move through every stage of the restructuring process, with full transparency and automation:
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The lender uses app banners or push notifications to make customers aware of available support and direct them to the self-service platform before payments become overdue.
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Customers log into a secure platform where they can analyze repayment scenarios with the help of built-in calculators. If they’re happy with the result, they can submit a request – any time, on any device.
Depending on eligibility and the lender’s policies, available options may include payment deferrals, term extensions, or a revised repayment schedule.
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The system recalculates repayment plans and checks whether the result is in line with your policies. Finally, the system processes the case through your existing approval workflow.
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Once approved, the system generates a new schedule and digital payment commitments, with a full audit trail.
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Your team and your customer both get real-time updates and automated reminders. Every stage is transparent. Specialists step in at defined stages or when a case meets the lender’s escalation criteria, with the case history available for review.
arrow_circle_right TECHNICAL PERSPECTIVE
Built around your bank and your customers
Mobile-first self-service
Give customers a straightforward way to manage hardship through your mobile app and online banking: run repayment simulations, submit requests, and track progress in real time.
BENEFITS: Less need for branch visits and calls, with convenient access to repayment support.
Growth opportunities and core integration
Integrates with the core banking platform you already run – Fiserv, FIS, Jack Henry, Corelation, and others – plus ACH, debit card, and Zelle payment rails, so there’s nothing to rip out and nothing new for customers to learn.
BENEFITS: New revenue streams, minimal disruption, faster time to value.
Intelligent automation at the core
Auto-generated schedules and approval paths, digital payment promises, and automated notifications, so workflows do the heavy lifting your team doesn’t have time for.
BENEFITS: Lower operational costs, fewer errors, faster outcomes.
Flexible restructuring tools
Payment deferrals, term extensions and interest rate reductions, with real-time adjustments visible to both sides.
BENEFITS: Fewer non-performing loans, more customers kept in your portfolio.
Risk monitoring with real-time alerts
Track repayment behavior and get automated alerts for delays or deviations from schedule, integrated with your scoring systems.
BENEFITS: Earlier warning signs, smarter risk decisions.
Multiple customer segments, one platform
Support different customer segments within a single platform, with workflows adapted to their requirements and your existing systems.
BENEFITS: Shared servicing capabilities with flexibility for each segment.
Security and compliance
End-to-end encryption, secure access control, and a full audit trail for every action – built to stand up to FDIC, NCUA, and OCC exam expectations, and to keep pace as CFPB and state-level rules continue to evolve.
BENEFITS: regulatory confidence, customer trust, and peace of mind.
arrow_circle_right Certificates
Our delivery follows recognized security and quality standards.
arrow_circle_rightLet’s talk
See how self-service debt restructuring could fit your institution
We’ll walk you through a demo of the platform and discuss how it can be tailored to your institution’s needs and integrated with your existing systems. Together, we can identify a practical starting point for your organization.
