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HCL Technologies Head Office

HCL Technologies Ltd The Senate #33A, Ulsoor Road, TEL : +91-80-51246800 FAX : +91-80-51246888

Australia Office

Level 23, 111 Pacific Highway North Sydney Australia Tel.: +61-2-9929-9900 Fax: +61-2-9929-9100 Email: [email protected]

China Office

HCL Technologies (Shanghai) Limited 5th Floor, Building 23, 498, Guoshoujing Road PuDong New Area People's Republic of China Tel: +86-0-21-50805106 Fax: +86-0-21-50805776 Email: [email protected]

Germany Office

HCL GmbH Frankfurter Strasse 63-69 Germany Tel: +49 (0)6 196 779 970 Fax: +49 (0)6 196 779 9755 Email: [email protected]

Hong Kong Office

HCL Hong Kong SAR Limited 4203A, 42/F, China Resources Building 26 Harbour Road Tel. : +852-2213-9205 Fax : +852-2802-1160 Email: [email protected]
Hong Kong

India Office

HCL Technologies Ltd Corporate Office A-10/11, Sector- 3 Noida- Uttar Pradesh Tel.: +91-120-253-5071 Fax : +91-120-253-0591 Email: [email protected]

Japan Office

HCL Japan Limited 10F, Sumitomo Fudosan Kudanshita Bldg 3-5, Jimboucho, Kanda, Chiyoda-ku , JAPAN Tel: +81-3-5226-2641 Fax: +81-3-5226-2642 Email: [email protected]

Malaysia Office

HCL Technologies Malaysia SDN. BHD. Level 51, Tower 2 Petronas Twin Towers Kuala Lumpur City Centre, Malaysia Tel: +603-2031-8588 Fax: +603-2031-8587 Email: [email protected]
Kuala Lumpur

Middle East Office

HCL Technologies Middle East Office 201, Building 3 Dubai Internet City Dubai - UAE Tel: +971-4-3913000 Fax: +971-4-3913001 Email: [email protected]

Netherlands Office

HCL Netherlands BV Overgoo 15 2266 JZ Leidschendam The Netherlands Tel: +31 (0)703 012 410 Fax : +31 (0)704 190 067 Email: [email protected]

New Zealand Office

HCL New Zealand Ltd. Level 7, 154 Featherston Street P.O. Box 11542, New Zealand Tel.: +64-4-471-6440 Fax: +64-4-496-5209 Email: [email protected]

Poland Office

HCL Poland Sp. z o.o. Kraków Business Park ul. Krakowska 280 32-080 Zabierzów, Poland Tel: +48 12 390 9000 Email: [email protected]

Singapore Office

HCL Singapore Pte. Ltd. 8 Shenton Way # 16-01 Temasek Tower Tel: +65-62738288 Fax: +65-62780648 Email: [email protected]

United Kingdom Office

HCL Great Britain Ltd Network House, Norreys Drive Maidenhead, Berkshire United Kingdom Tel: +44 (0)1628 778 555 Fax : +44 (0)1628 777 566 Email: [email protected]

United States Office

HCL America, Inc. 330 Potrero Avenue CA Tel: +1-408-733-0480 Fax: +1-408-733-0482 Email: [email protected]


91-44-22540473 Extn 2104


Ravi Shanker
[email protected]

CapitalStream – Small Business lending services


Small business Lending
CapitalStream provides comprehensive integration, automation and analytics capabilities that enable banks to reduce cost, risk and processing time. The web-based, n-tiered architecture integrates easily with existing applications so information is accessible and flows seamlessly from one function to the next. The information, screens and processes are highly configurable allowing each bank to tailor the system to the way they do business.

Proven Success and Benefits

Banks that have implemented CapitalStream have consistently achieved substantial gains in efficiency allowing them to grow their business and portfolio without increasing headcount. The proven success has yielded significant returns on investment and sustainable competitive advantage. The following are just some of examples of the benefits realized in financial institutions in which CapitalStream has been implemented.

  • First year volume up 64% while headcount down 25
  • Transaction cost reduced by 30%
  • Decision time reduced from 2 days to immediate
  • Error rates declined from 75% to 5%
  • Ratio of customers to salesperson increase by 300%
  • Efficiency increase by 130%
  • Reduction in effort by 40%
  • Reduction in elapsed processing time by 65%
  • Types of documents generated automatically: 300
  • Applications processed per month in excess of 12,000
The Complete Straight through processing for small business lending
CapitalStream provides a complete Straight Through Processing platform that gives branch lending officers, call center personnel, credit analysts, documentation managers, operations personnel and executive management instant access to the customer, credit, exposure, collateral and other information they need to respond immediately and collaborate more efficiently. The entire team knows who needs to do what and when
Automate Origination across all Channels
Whether applications originate from your branches, website or call center, CapitalStream gives you the power to respond instantly and consistently with high quality service. Regardless of entry point, the origination workflow automatically retrieves all credit and financial information, initiates credit decisioning, creates required documentation and books the loan for servicing. Data is entered and validated once and passed with no re-entry of information using a single repository that is shared across all channels, teams and functions. Automatic document generation and integrated Web-based delivery means customers have documents in hand before they leave the branch or log off the website.
Instant Decision with Integrated Escalation and Override Tracking


Manage complex credit decisioning processes that integrate advanced credit scoring analytics with automated credit review and approval routing to support rapid credit decisioning. Credit data is automatically pulled from industry-standard consumer and business bureaus including Experian, TransUnion, Equifax and D&B along with Fair Isaac’s Liquid Credit®, reducing manual steps and staffing requirements to a fraction of current levels. Credit policies for each product, portfolio, or customer may be based on any criteria, with automated approvals or declines based on specific scoring rules and decision strategies. Gray-area decisions are auto-escalated to the appropriate credit analyst, with full visibility of policy-based escalation criteria as well as overrides. All decision overrides and the associated rationale are tracked for subsequent retrieval and review.
A single access point for Information
CapitalStream provides instant access to information with the click of a mouse to improve collaboration and provide greater visibility across all lines of business and product offerings. CapitalStream provides online Web-based access to loan documents, customer and portfolio information, credit and exposure data and associated decisions.

With flexible reporting and analysis tools combined with integrated information, the front office team’s productivity is multiplied through the elimination of redundant data entry and time-consuming searches. Customer-facing personnel work with full access to product and customer information, empowering them to identify and pursue opportunities for cross selling and service enhancements.
Multiply Front Office Productivity
CapitalStream streamlines and integrates origination, credit adjudication, document generation, account/risk management, compliance tracking, financial analysis and workflow processing. Team members can review and update information directly over the Web, with full management visibility and oversight. The bottom line: your front office spends more time generating new business and less time re-entering data between documents, spreadsheets and systems.
Superior Customer Service
Customer service takes on new meaning when your front office has visibility into the entire small business relationship across all products, systems and divisions. The entire team can better identify ways to serve customers and cross-sell products. Configurable business rules automatically route transactions to the right person on the right team at the right time, according to channel, product, transaction size, credit score and other parameters.

Decision tracking and Reporting

CapitalStream offers your small business finance operations significant competitive advantage, providing your businesse customers with financing instantly while you manage risk more effectively.
All credit scores and ratings, approvals and denial decisions – along with the supporting rationale and metrics – can be tracked to provide managers and credit officers visibility to identify trends, potential risk areas and new business opportunities. Decisions may be tracked by scorecard, strategy decision-maker, borrower, facility, line of business, etc., with trends and key ratios calculated automatically.
Document Management
CapitalStream document management tools put an end to the inefficiencies of paper-based processes. The team can focus on your customers’ needs rather than re-entering information into different systems or document templates. All inbound and outbound documents are stored electronically and updated automatically eliminating time consuming searches and data entry errors. CapitalStream’s online access to signed documents as well as change and version tracking put an end to resource-wasting paper shuffling and version-management issues.

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