IFRS 9 · EXPECTED CREDIT LOSS · PROVISIONING · IMPAIRMENT
The IFRS 9 Operating Layer
for Finance, Risk & Audit Teams
Upload your loan portfolio. Get Stage 1/2/3 classification, Expected Credit Loss, SICR detection and a full regulatory audit trail — with configurable assumptions and full audit trail.
Explainable methodology · Reproducible outputs · Governance-ready · Regulator-facing exports
No credit card required · Sandbox evaluation · Cancel anytime
🔒 AES-256 encrypted🌍 EU data residency📋 GDPR compliant✅ IFRS 9 §5.5📊 Audit-ready exports🏦 Enterprise-grade security
Not a calculator. An operating layer. LoanStage connects your finance, risk and audit teams around a single governed IFRS 9 process — shared data, shared audit trail, shared methodology. Institution retains full control of assumptions and provisioning decisions.
THE PROBLEM
Manual IFRS 9 is broken
✕ Manual ECL calculations in Excel
✓ Automated IFRS 9 engine in seconds
✕ No SICR detection process
✓ 41 automated risk indicators
✕ Audit trail gaps for regulators
✓ Immutable classification log
✕ Stress testing takes days
✓ Standardised PD/LGD shock simulator
THE PRODUCT
Everything in one dashboard
LoanStage Dashboard
Stage DistributionECL TrendStress TestAI Analyst
Total Exposure
€47.2M
+2.1%
Total ECL
€2.1M
4.47%
Stage 2 Loans
18
36%
Stage 3 / NPL
7
14%
LN-0001
€850K · DPD 0
Stage 1
ECL €4,250
LN-0002
€1.2M · DPD 45
Stage 2 — SICR
ECL €32,400
LN-0003
€620K · DPD 120
Stage 3 — NPL
ECL €125,550
LN-0004
€2.1M · DPD 0
Stage 1
ECL €8,820
FEATURES
Built for credit risk professionals
IFRS 9 Stage Classification
Automatic Stage 1/2/3 assignment with SICR detection. PD × LGD × EAD engine calculates lifetime ECL with configurable assumptions and full audit trail.
AI Portfolio Analyst
analyst assistant that answers questions about your portfolio, explains stage migrations, and flags deteriorating loans.
Integrated Analytics Suite
ECL waterfall charts, EBA stress tests, Basel III capital calculators, grade migration matrix, maturity tracker and more.
Early Warning System
Automated deterioration signals based on DPD, PD, LTV, borrower rating and sector outlook.
Stress Testing
PD/LGD shock simulator with preset scenarios (Mild, Moderate, Severe, Recovery). Save and compare custom scenarios.
Audit Trail
Append-only audit log of every classification decision, ECL change and stage migration — tamper-evident, traceable and exportable for regulatory review.
Regulator-Ready Exports
Export ECL summary as PDF, filtered loan data as CSV, and full audit trail. Every export includes IFRS 9 paragraph references and calculation formulas.
WHO IT'S FOR
For teams that take credit risk seriously
Most common
Credit Risk Managers
Automate Stage 1/2/3 classification across your entire loan portfolio. SICR detection, ECL calculation and early warning signals — in seconds, not days.
CFOs & Finance Teams
Accurate ECL provisioning with full audit trail for IFRS 7 disclosures and financial reporting. Stress test ECL impact before board presentations.
Compliance & Regulatory Teams
EBA-aligned ECL methodology. Every classification decision logged with the exact IFRS 9 paragraph reference. Audit-ready documentation on demand.
Fintechs & Neobanks
API-first platform. Integrate LoanStage into your loan origination system via REST API. 1,000 req/day on Professional plan.
SECURITY & GOVERNANCE
Enterprise-grade security.
Governance-ready architecture.
Your loan data never leaves EU infrastructure. Every calculation is versioned, traceable and exportable for internal audit, external audit and regulatory review.
🔒
AES-256 encryption
All portfolio data encrypted at rest and in transit (TLS 1.3)
🌍
EU data residency
Hosted on Supabase EU region. Data never leaves the EU.
📋
GDPR compliant
Full data export and deletion on request. DPA available.
📊
Immutable audit trail
Every ECL decision logged with IFRS 9 reference. Cannot be altered.
🏛
Tenant isolation
Your portfolio data is never shared with or visible to other users.
🗑
Data deletion policy
Portfolio data deleted within 30 days of account cancellation.
IMPLEMENTATION
Operational in days. Works alongside existing workflows.
LoanStage works with your existing data and processes — no migration, no infrastructure changes, no IT project. Export results back to Excel if needed. Designed to improve your IFRS 9 workflow, not replace everything at once.
1
Download template
Get the standard CSV template with required columns.
2
Upload portfolio
Upload your loan data. Validation engine checks for errors.
3
Review results
Stage classifications, ECL and SICR indicators appear instantly.
4
Export & report
Download PDF report and audit trail for regulators.
✓ Works alongside existing workflows✓ CSV and Excel compatible✓ Export back to Excel✓ No core system replacement✓ Lightweight implementation
PILOT IN DAYS
Start with a single portfolio.
No commitment. Run LoanStage on one portfolio alongside your existing model. Compare outputs, validate methodology, review the audit trail — then decide.
Day 1
Download template & upload portfolio
Use our standard CSV template or map your existing data. Upload one portfolio from your sandbox evaluation environment.
Day 1–2
Review classifications & audit trail
Compare Stage 1/2/3 outputs with your existing model. Check SICR indicators, ECL values and IFRS 9 references in the audit log.
Day 2–3
Export report & share with team
Download PDF report and CSV audit trail. Share with your finance, risk and audit teams for internal review and methodology validation.
PRICING
Start free, upgrade when ready
Sandbox evaluation available. Professional plan for teams and institutions — pricing on request.
GOVERNANCE & CONTROL
Your analysts stay in control.
LoanStage automates calculations — your team validates, reviews and governs outputs. Assumptions are visible. Rules are configurable. Institution retains full ownership of provisioning decisions.
⚙
Configurable rules
SICR thresholds, PD/LGD parameters and staging logic are configurable per institution policy. Not a black box.
👁
Visible assumptions
Every calculation shows the formula, parameters and IFRS 9 reference used. Nothing is hidden from analysts or auditors.
✎
Analyst review
Outputs are reviewed by your credit risk team before provisioning. LoanStage assists — institution controls final decisions.
📤
Full export layer
Export ECL summaries as PDF, loan data as CSV, and full audit trail for internal audit, external audit and regulators.
🔁
Reproducible outputs
Same inputs always produce the same outputs. Calculations are deterministic, traceable and repeatable across reporting periods.
📋
Governance checkpoints
Portfolio review workflow with notes, tags, watchlist and audit trail supports your internal model governance framework.
WHY LOANSTAGE
Three alternatives. One clear choice.
Excel / Manual models
✕Error-prone formulas
✕No audit trail
✕One person owns the model
✕Hard to stress test
✕Difficult to evidence to regulators
✕Slows month-end close
Legacy vendors (SAS, FIS)
✕6–18 month implementation
✕Requires dedicated IT team
✕High licensing cost
✕Rigid, hard to configure
✕Designed for large banks
✕Overkill for most institutions
LoanStage
✓Upload CSV, get results today
✓Full IFRS 9 audit trail
✓Configurable rules & assumptions
✓Standardised stress testing
✓Regulator-ready PDF exports
✓Lightweight deployment — minimal overhead
WHY NOT EXCEL?
Most banks still use spreadsheets.
That creates governance risk.
Manual ECL models — whether Excel or internal scripts — are error-prone, hard to audit, and fail model validation. LoanStage replaces them with a governed, reproducible, regulator-ready process.
Excel / manual model
✕Formula errors silently propagate
✕No immutable audit trail
✕One person owns the model
✕Cannot reproduce prior results
✕Difficult to validate consistently
✕Hard to evidence methodology to auditors
Internal model / legacy script
✕High maintenance burden
✕Difficult to document assumptions
✕Hard to stress test scenarios
✕IT dependency for every change
✕No regulator-ready export layer
✕Methodology opaque to auditors
LoanStage
✓Rules-based, no formula risk
✓Immutable audit log (IFRS 9 refs)
✓Centralised — full team access
✓Reproducible across all periods
✓Supports internal model validation
✓Exportable audit trail for regulators
FAQ
Common questions
How is SICR determined?+
Is the methodology auditable?+
Can results be exported?+
Where is data hosted?+
How is ECL calculated?+
Do you support macro overlays?+
Can I cancel anytime?+