arrow_circle_right Debt restructuring platform
Turn a customer’s inability to pay into a chance for both sides
With a digital-first, no-paperwork debt restructuring platform built around the core banking system you already run, you can help your customers get back on track – without losing profit and the relationships you’ve worked hard to build.
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 take weeks instead of 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 ripping out what already works.
From 2 weeks to 7 minutes
– that’s how quick debt restructuring can be
25%
of restructuring decisions finalized online within the first weeks of launch*
4.5-star
– average end-user rating for the self-service experience*
*Based on Spyrosoft-delivered restructuring platforms in existing financial services deployments.
arrow_circle_right BENEFITS
Turn restructuring into a business advantage
With the Debt Restructuring Platform, you can expect the following benefits:
New revenue opportunities
Use restructuring as a moment to cross-sell, consolidate, or set up new credit, not just recover what’s owed.
Lower collection costs
Recover more without handing accounts to third-party collectors, through flexible restructuring and digital repayment commitments.
Fewer defaults, stronger relationships
Keep loans performing and customers loyal by offering flexible options before a missed payment becomes a default.
Less manual work
Smart automation cuts the paperwork and the call volume, so your team can spend their time where it counts.
A better customer experience
Let customers review, adjust and confirm a new repayment plan online, whenever suits them.
Real-time risk visibility
Spot early warning signs with live dashboards and alerts, integrated with your existing scoring systems.
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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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.
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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.
arrow_circle_right TECHNICAL PERSPECTIVE
Built around your bank and your customers
Self-service platform
Give customers a straightforward way to manage restructuring on their own terms: submit requests, run repayment simulations, and track progress in real time.
BENEFITS: Fewer branch and call-center enquiries, more time for advisors to focus on relationships that need a human touch.
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
Term extensions, interest reductions, and payment holidays, 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.
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_rightCONTACT
Learn more about the debt restructuring platform
Find out how you can reduce risk, improve retention, and give customers breathing space in a tough moment – all without replacing the systems you already rely on.
