The Complete Financial OS: AI-powered loan servicing, asset management, fund management and enterprise ERP from Sciforn

Financial OS

Athena loan servicing & asset management. Private AI document intelligence. Selene fund operations. Helios enterprise ERP. Atlas payments & treasury. Built for institutions that outgrew legacy software, and refuse to wait for the market to catch up.

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World's leading financial institutions run on our technology

Athena - Portfolio Overview
Q1 2026 · Updated just now
$35B+
Portfolio AUM
↑ +12.4%
250+
Active Loans
↑ +3.1%
99%
Compliance Metrics
↑ +1.2%
0.4%
Default Rate
↓ -0.1%
Monthly Originations ($M)
Loan IDValueStatus
ATH-441$48MActive
ATH-439$120MActive
ATH-435$23MReview
ATH-430$67MActive
AI Loan Onboarding - Facility Agreement
Processing: Syndicated_Facility_v3.pdf · 247 pages
✓ Extracted
Source Document
3 key clauses highlighted
AI Extracted Fields
Facility Amount$150,000,000
BorrowerAlpha Ltd
Maturity Date31 Dec 2027
Margin2.75% + SOFR
Arrangement Fee1.25% flat
LTV Covenant≤ 65%
Management Report - Q1 2026 · CRE Portfolio
↓ Export PDF
ProgrammeLoansAUMChange
CRE Europe190$29B+8.2%
CMBS Pool A9$980M+3.4%
CLO Series 37$360M-1.1%
Dev Finance51$5B+5.7%
Originations by Quarter
Asset Class Mix
CRE
CMBS
CLO
Athena - Connected Portals
5 portals · all active
ATHENA
Investor Portal
Borrower Portal
Sales Portal
Trade Finance
Servicer Portal
Asset Tokenization Engine
✦ On-chain
Asset
→
Audit
→
Tokenise
→
Distribute
→
Liquidity
$2.1B
Tokenised AUM
↑ +18.3%
847
Token Holders
↑ +9.4%
99.2%
Settlement Rate
↑ +0.8%
AssetValueStatus
CRE Pool A$480MActive
CMBS Tranche$220MActive
Dev Finance$150MMinting
CLO Series 4$95MMinting
Features
Structured financing & tranching
Fractional ownership distribution
Real-time on-chain settlement
Enhanced secondary liquidity
Regulatory compliance layer
Athena Complete Private Credit Platform
Helios: One ERP for the Whole Enterprise
Private AI Data Centre
Finance · Supply Chain · Manufacturing
ERP · CRM · Payroll
Selene: Fund Operations · NAV · Waterfalls · Carry
Atlas: Global Payments & Treasury
10,000+ Bank Connections
Real-Time Cash Visibility
Tokenization
ISO 20022 · SWIFT Native
Bonds · Loans · Swaps · CMBS · CLO
AI Loan Onboarding from Facility Agreements
Invoice Finance
Finance
Reverse Factoring
Investor Portals
Borrower Portals
Sales Portals
ECL, Provision & RWA
Canada · UK · USA · India
2021
Founded, with large financial institutions as anchor clients
5
Platforms, one connected ecosystem
3
Continents, serving clients around the clock
100%
Clients with a dedicated engineering team
Pune, India flag
Pune, India
London, UK flag
London, UK
New York, USA flag
New York, USA
Toronto, Canada flag
Toronto, Canada
Global Presence

Serving institutions around the world.

Sciforn operates across three continents, with offices in Canada, the United States, the United Kingdom, and a dedicated development centre in Pune, India.

Our Products

Five platforms. One ecosystem.

Athena manages the complete CRE lending lifecycle. Our AI handles document intelligence on private infrastructure. Selene runs fund operations end to end. Helios runs the whole enterprise: finance, supply chain, manufacturing, people and customers. Atlas runs payments and treasury across 10,000+ banks. All connected, all configurable.

Athena Platform

Complete CRE loan servicing & asset management.

End-to-end platform for CRE servicers and asset managers. Manages the full lending value chain (origination through servicing, compliance, payments, accounting, and reporting) with one unified data model and private AI infrastructure.

Banks & Non-Bank LendersCRE Loan ServicersAsset ManagersDebt FundsCMBS / CLO IssuersTrustees & Facility Agents
Instrument Classes
Syndicated LoansDev FinanceWarehouseBondsSwapsCLOCMBSInvoice FinanceReverse FactoringEquityStructured Credit
AI Layer
AI OnboardingAI KYC ScreeningAI Document ExtractionAI UnderwritingAI ReportingAI User GuideAI Assistant
One record, front to back
Origination, servicing, payments, accounting and reporting share one data model: front office and back office read the same record, so nothing waits on a reconciliation.
Configure, don't customise
Workflows, notices, reports and approval chains are configurable at every level. Adopt a single module or replace the whole stack, without an integration project.
AI in every workflow
Document extraction, loan onboarding and risk intelligence are native to the platform and run on private infrastructure, not bolted on, and never shared with third parties.
Deal Administration
Full loan lifecycle: onboarding, drawdowns, repayments, interest management, notices, and structured products (CMBS/CLO/ABS).
Lending
Counterparty Management
Borrower, lender, SPV and agent registry with built-in KYC checklists, AML risk tiers, AI sanctions screening and PEP compliance blocks.
Compliance
Diary & Covenants
Diary reminders and event triggers, LTV, DSCR and ICR covenant tests with breach alerts and instant workflow action; holiday-calendar rate logic built in.
LTV · DSCR · ICR
Asset Management
Property and non-property assets: AI extraction of valuation reports, LTV tracking, ESG data, inspection scoring and geolocation maps.
Assets
Syndication & Loan Review
Multi-lender syndication structures with per-lender cashflow reporting, intercreditor agreements, periodic loan review, risk scoring and status tracking.
Multi-Lender
AI Suite
AI-powered tools to enhance workflows, automate processes, and support intelligent decision-making.
AI
Reporting & Analytics
AI natural-language report generation, custom white-label templates, a built-in virtual data room, and full audit analytics: every field change logged.
Analytics
External Portals
Investor Portal, Borrower Portal, Servicer Portal, Trade Finance Portal, Sales Portal. White-labelled client-facing access.
Portals
Payments & Treasury
End-to-end payment processing for banks: incoming/outgoing payments, payment priority waterfall, bonds, swaps, hedging instruments.
Treasury
Accounting & RWA
Multi-GAAP accounting with RWA, expected loss and provisions, valuation adjustments, a multi-currency general ledger, and fiscal close with period controls.
Multi-GAAP · RWA
Invoice & Trade Finance
Invoice Finance, Reverse Factoring, Invoice Factoring with eligibility screening, concentration limits, and debtor reconciliation.
Trade Finance
Asset & Loan Tokenization
Tokenization of assets and loan portfolios to support structured financing, distribution, and enhanced liquidity.
Tokenization
Five Connected Portals: End-to-End Flow
Platform Coverage
Every team. One platform, from origination to maturity.
Loan Operations
Loan Operations
4 components
LifecycleOriginationUnderwritingOnboardingLive OperationsCMBS / CLOTokenisationMaturity
Loan OperationsCredit AnalystAsset ManagerPortfolio ManagerCompliance & RiskSalesSec. Sales & Synd.Payments & BankingSystem AdministrationLoan OperationsCredit AnalystAsset ManagerPortfolio ManagerCompliance & RiskSalesSec. Sales & Synd.Payments & BankingSystem Administration
See Athena against your own loan book: a live demo on your workflows, not a slide deck.
AI

Document intelligence that runs on your iron.

Sciforn's Artificial Intelligence runs entirely on our own SOC-compliant on-premises data centre. Full-scale LLMs trained for CRE financial workflows, with complete audit rights and zero data leakage to third parties.

Instant Loan Onboarding
Signed facility agreements → structured loan records in Athena. Parties, covenants, schedules, and financial terms extracted automatically. Zero manual entry.
Loan Onboarding
Automated Fee Extraction
Extracts fee data directly from notices and letters, eliminating manual re-keying and calculation errors.
Fee Extraction
Search Any Financial Document
Ask questions across loan documents, contracts, and reports in plain English. Surface clauses, obligations, and figures from hundreds of pages instantly.
Document Q&A
AI-Powered Data & Risk Intelligence
Transforms unstructured financial and asset data into structured insights, enabling automated analysis, valuation comparison, and risk assessment across assets and counterparties.
Financial Intelligence
AI Workflow Automation
Intelligent automation for repetitive financial workflows, combining ML, NLP, and computer vision with full auditability.
Automation
Private On-Premises AI Data Centre
SOC-compliant. Fully dedicated and segregated hardware per client. Complete audit rights over all processes and infrastructure. No cloud dependencies - prevents runaway cloud costs and stops sensitive financial data leaking to competitors or third parties. Sciforn continuously doubles AI hardware investment and top talent every quarter.
See the AI extract a live facility agreement: your documents, processed in front of you.
Selene Platform

The complete fund operations platform.

One-stop solution for fund administrators, asset managers, insurers, private credit and private assets. Twelve connected domains across the full fund journey: entities, fund structures, investor onboarding, capital calls, deals, NAV, waterfalls and reporting. Compliant, automated, optimized.

Fund AdministratorsAsset & Fund ManagersInsurersPrivate Credit ManagersGPs & Family Offices
Selene at a Glance
Connected domains12 modules
Books of recordABOR · IBOR · Shadow
Fund coveragePE · HF · VC · Credit · Real Assets
Regulatory reachAIFMD · MiFID II · FATCA · CRS
Every strategy, one platform
Private equity, hedge, venture, credit, real assets and fund-of-funds run on one data model. Built multi-strategy first, so hedge and PE never need a second system or a bridge file.
One ledger, every book
Unified ABOR, IBOR and shadow books with a NAV engine at fund, class, series and investor level; multi-GAAP, multi-currency, maker-checker controlled, reconciled by design.
Compliance built in, not bolted on
Native KYC, sanctions and PEP screening, MiFID II onboarding, AIFMD, FATCA and CRS reporting: a regulated workflow with a never-delete audit log, not a document portal.
Entities & Counterparties
One live counterparty registry: funds, GPs, LPs, SPVs, banks and advisors with KYC status, beneficial-ownership chains and native sanctions and PEP screening on the same record.
KYC · UBO · Screening
Fund Structure
Every fund type and lifecycle stage natively supported: strategy, legal form, fee, hurdle, carry and waterfall economics configured per fund, with no bespoke build for non-standard terms.
Fees · Hurdles · Waterfalls
Vehicles & Master-Feeder
Masters, feeders, blockers, SPVs, parallel and co-invest vehicles in one chart; capital flows cascade down tiers with automatic look-through and consolidation.
Full Structure Stack
Investor Lifecycle
Guided onboarding with MiFID II classification, suitability assessment, FATCA/CRS self-certification, side letters and a never-delete regulatory audit log.
Regulated Onboarding
Capital Operations
Capital calls and distributions end to end: notices, equalisation on subsequent closes, withholding, recallables and pro-rata allocation across hundreds of LPs.
Calls → Distributions
Portfolio & Deals
Pipeline to realized: deal terms, tranches, drawdown schedules, interest accrual, covenant tracking and controlled valuations with a full audit trail before NAV.
Deal → Ledger
Accounting & NAV
Unified ABOR, IBOR and shadow books: multi-GAAP, multi-currency, maker-checker posting and a NAV engine striking at fund, class, series and investor level.
ABOR · IBOR · NAV
Waterfall & Carry
European, American and hybrid waterfalls with tiered hurdles, catch-up, clawback and vesting; a full calculation trail per tier and LP-level carry statements.
Carry Without Spreadsheets
Hedge Fund Operations
Daily NAV with P&L attribution, incentive fees, high-water marks, gates, lock-ups, side pockets and series accounting. The same engine as the PE side.
Daily NAV · Liquidity
Compliance & Regulation
AIFMD, Form PF, MiFID II, PRIIPs, FATCA, CRS and Canadian regimes, with approval matrices, segregation of duties and policy versioning built in.
Widest Regulatory Reach
Portals & Documents
Investor, GP and auditor portals on live data: watermarked delivery, e-signature, versioned documents and capital account statements on demand.
Three Portals · One System
Performance & Reporting
IRR, TVPI, DPI, MOIC, PME and benchmark analysis with a drag-and-drop report wizard; ILPA-aligned templates, branded investor packs and API access to every metric.
No-Code Reporting
See Selene run your fund operations (subscription to NAV to carry): a live demo on your funds, not a slide deck.
Helios Platform

One ERP for the whole enterprise.

Helios runs the complete value chain (finance, supply chain, manufacturing, people and customers) on a single data model. Where typical ERP suites cover only a slice, Helios runs the enterprise end-to-end: retire the patchwork of point systems and run on one source of truth. Modular by design: bolt on a single module or replace everything, with zero integration.

ManufacturingDistribution & RetailProfessional ServicesConstructionTechnologyEnergyHealthcarePublic SectorHospitality
Helios at a Glance
Connected modules12 modules
Data modelOne source of truth
Geographic coverageEMEA · Americas · APAC
StandardsIFRS · US GAAP · SOX · GDPR
One suite, one truth
Twelve modules write to a single data model: finance, supply chain, manufacturing, people and customers reconcile by design, and every report reads the same numbers.
A system of action
Embedded AI forecasting, anomaly detection and natural-language queries act on live operational data. Insight arrives the moment a transaction posts, not after a nightly extract.
Modular by design
Start with one module and expand, or retire the whole patchwork of point systems at once. Either way there is no integration project, because there is nothing to integrate.
Finance & Accounting
General ledger, AP/AR and fixed assets with real-time multi-entity, multi-currency consolidation, driver-based budgeting and continuous close.
Multi-Entity GL
Procurement & Sourcing
Requisition-to-PO, supplier master, contracts and automated three-way match: spend approved against live budgets before it happens.
Source-to-Pay
Supply Chain
AI-blended demand forecasting, logistics and fulfilment with end-to-end traceability from demand signal to delivered order.
Plan → Deliver
Manufacturing
Multi-level BOMs and routings, MRP with finite capacity, live shop-floor control, and quality and yield analytics built in.
BOM · MRP · Quality
Inventory & Warehouse
Multi-site stock with lot/serial control, barcode and RFID warehouse operations, and real-time valuation posted straight to the ledger.
Real-Time Valuation
Order Management
Omnichannel order capture, available-to-promise, smart allocation and automatic invoicing: quote to cash with no re-keying.
Quote-to-Cash
HR, Payroll & Talent
Core HR, a full hiring suite with AI sourcing and screening, time and benefits, and multi-country payroll that posts directly to finance.
Hire-to-Retire
CRM & Sales
360° customer view, pipeline and quote/CPQ against live cost and stock. A won deal becomes an order, invoice and revenue entry instantly.
Lead → Revenue
Projects & Services
Project accounting, resource planning, time and expense, and automated revenue recognition: live margin while work is still in flight.
PSA · Rev Rec
Asset Management
Single asset register with full lifecycle history, preventive maintenance, and depreciation posted straight to the general ledger.
EAM + Fixed Assets
Analytics & BI
Live dashboards, embedded AI forecasting, anomaly detection and natural-language queries on one governed data model, no nightly extracts.
Embedded AI
Governance & Compliance
Role-based access with segregation of duties, multi-level approvals, immutable audit trail and statutory reporting native to every transaction.
Audit-Native
Built for Regulated Enterprises
Deploy in-region with full data sovereignty (EU data stays in the EU), with role-based access, SSO, encryption in transit and at rest, and an immutable audit trail on every transaction.
See Helios run your value chain end to end: a live demo on your processes, not a slide deck.
Atlas Platform

Global payments & treasury, on one platform.

Atlas unifies cash, payments and risk: real-time cash visibility across every bank, entity and currency, AI-powered forecasting, and one payment hub from ERP to bank, with fraud detection and sanctions screening on every payment. Connected out of the box to 10,000+ banks via API, SWIFT, host-to-host and EBICS.

Corporate TreasurersCFOs & Finance TeamsShared Service CentresBanks & NBFIsAsset & Fund ManagersMultinational Groups
Atlas at a Glance
Bank connectivity10,000+ banks
Connection methodsAPI · SWIFT · H2H · EBICS
Format coverageISO 20022 · BAI2 · NACHA
Cash visibilityReal-time · every account
100% cash visibility
Consolidated cash positions across every bank, entity and currency, updated in real time: one global view of liquidity with no manual aggregation and no waiting for statements.
Payments that police themselves
Every payment is screened in real time: ML anomaly detection, digitised policy rules and automated sanctions screening stop suspicious payments before they leave the building.
Connected out of the box
Pre-built connectivity to 10,000+ banks via open APIs, SWIFT, host-to-host and EBICS; ISO 20022 native, with format transformation handled in-platform, not in an IT project.
Cash & Liquidity Management
Real-time cash positions across every bank, entity and currency: worldwide balance consolidation, target balancing and cash pooling with zero manual aggregation.
Treasury
Cash Forecasting
AI-driven forecasts blending bank, ERP and historical data: rolling horizons from daily to five-year, with accuracy measurement and variance analysis built in.
AI-Powered
Payments Hub
One payment factory for the whole group: ERP-to-bank automation with real-time APIs, format transformation, approval workflows and live status tracking on every rail.
ERP-to-Bank
Bank Connectivity
Pre-built, maintained connections to 10,000+ banks via open APIs, SWIFT, host-to-host and EBICS; ISO 20022 native with BAI2 and NACHA transformation in-platform.
10,000+ Banks
Payments Fraud Detection
Machine-learning anomaly detection screens every payment in real time: suspicious payments stopped before release, with digitised policy rules and a full resolution audit.
Real-Time
Sanctions Screening
Automated screening of payments and counterparties against global sanctions lists (OFAC, EU, UN and HMT), with workflow-driven exception handling and case history.
Compliance
In-House Banking
A full in-house bank: internal accounts, pay-on-behalf-of and collect-on-behalf-of structures, intercompany loans and arm’s-length interest allocation.
POBO · COBO
Intercompany Netting
Multilateral payment netting cuts cross-border flows and FX costs: automated invoice matching, scheduled netting cycles and settlement statements per participant.
Multilateral
FX & Interest Rate Risk
Exposure capture from ERP and forecast data, hedge proposals, effectiveness testing and compliant hedge accounting: currency and rate volatility managed end to end.
Hedge Accounting
Debt & Investments
Full lifecycle for debt facilities, bonds, leases, deposits and money-market funds: accruals, rollovers, covenant tracking and mark-to-market valuation.
Lifecycle
Bank Account Management
A central registry of every bank account, signatory and mandate: electronic account opening and closing, FBAR reporting and bank fee analysis.
eBAM
Cash Accounting & Reconciliation
AI transaction matching across banks, payment providers and the ERP: journal entries posted automatically and month-end close cut from days to hours.
Auto-Matched
Bank Connectivity as a Service
Pre-built, fully maintained connections to 10,000+ banks: open APIs, SWIFT, host-to-host and EBICS, with ISO 20022, BAI2 and NACHA format transformation handled in-platform. No connectivity project, no format maintenance, no IT backlog.
See Atlas on your own accounts: live cash positions and a payment run, not a slide deck.
Competitive Record

Tested against the best. Won.

Athena was tested head-to-head against leading enterprise loan servicing platforms, winning on every evaluation category. We've replaced every major legacy system in the CRE servicing market.

Defeated leading loan servicing systems in a rigorous client-led procurement evaluation, and came miles ahead on every single metric.
Capability Sciforn
Private AI Data Centre ✓
ISO 20022 / SWIFT Native ✓
Unified Data Model ✓
AI-Powered Loan Automation ✓
ESG Lending Enforcement ✓
Invoice Finance Built-in ✓
5 Connected Portals ✓
Customisable Notices & Reports ✓
Full Audit Rights ✓
Fund management ✓
CRM, Timesheets ✓
The Sciforn Difference

Forward-deployed teams. Uncompromising service.

Every client gets a dedicated team of forward-deployed engineers, embedded with your teams from implementation through every release. Born inside regulated banking, we reinvest continuously in our private AI data centre and our people. We believe our service is what differentiates us.

Dedicated engineering team per clientPrivate AI data centreFull audit rights

The team behind Sciforn

Offices in Canada, United Kingdom, United States and India, serving global clients around the clock.

Sumanlata Singh
Sumanlata Singh
Founder & CEO

20+ years in corporate banking and investment management. Licensed pilot. MBA from INSEAD, Fontainebleau.

LinkedIn
Amit Singh
Amit Singh
Advisor

25-year Wall Street veteran with deep expertise in capital markets, quantitative finance, and machine learning. Former Head of Program Trading at Barclays Capital and Lehman Brothers. Capital markets veteran with deep expertise in quantitative finance and machine learning. Now leading finance and capital strategy for an AI-driven platform optimizing distributed energy resources and grid-edge economics.

LinkedIn
Diamandis Karamagias
Diamandis Karamagias
Advisor

Diamandis has over 25 years of COO experience in Financial services delivering technology strategies and improving business operations through automation and centralisation. Most recently he was the Chief Financial and Operating Officer of RiverRock European Capital Partners, an Alternative Asset Manager. Previously he was the COO in Europe for the Equities division of Jefferies, JP Morgan and Bear Stearns.

LinkedIn
John Madigan
John Madigan
Advisor

John Madigan is an experienced financial services professional with an extensive career covering capital markets, loan servicing, fund management and investment funds. He is an Independent Non-Executive Director, a Certified Investment Fund Director (CIFD) and currently serves as the Chairperson of the Irish Fund Directors Association (IFDA).

LinkedIn
Ronny Herold
Ronny Herold
Advisor

Finance professional with 25+ years in banking, risk analysis, portfolio management, and international finance, specializing in bridging business and IT through BI, agile methods, and digital transformation.

LinkedIn
Dhirendra Singh
Dhirendra Singh
Chief Technology Officer

Three decades of experience in Technology, Banking and Finance. Led technology strategies for large banks and financial institutions and has extensive experience in Core Banking, Payments, Asset Management, Loan Servicing and Structured Financial Products. Technology graduate from Indian Institute of Technology at Kharagpur.

LinkedIn
Careers

Build the future of financial AI

We're growing our Pune development centre. Fast-growth roles working with a global team building disruptive financial technology on the latest AI stack.

We have an active return-to-work programme, welcoming experienced professionals back after career breaks. Our Pune office is close to several good schools, easing your return-to-work journey.

Open Positions
Senior Full Stack Developer
Pune, India Full-time
● Hiring
Full Stack Developer
Pune, India Full-time
● Hiring
Full Stack Developer Intern
Pune, India
● Hiring
Send your resume to careers@sciforn.com – we read every application.
Contact

Let's replace your legacy platform.

Ready for a platform tailored to your workflows, asset classes, and team structure? Reach out directly to start the conversation.

 Canada Office
 United Kingdom Office
 United States Office
 Pune, India - Development Centre
General Inquiries
info@sciforn.com
Follow Us
linkedin.com/company/sciforn

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