Windows desktop
Installer with the database and services embedded. Windows 10/11 64-bit, 8 GB of RAM (16 GB for the local AI model) and 10 GB free.
Platform to analyse and sell non-performing loan (NPL) portfolios, installed on your company's own infrastructure.
What it does
NPL portfolio analysis and sale
NPLStrategic follows a non-performing loan portfolio from the data tape to the sale. It is built for servicers and private companies, and each installation belongs to a single company: on its Windows machines, its own server or a dedicated private cloud.
It works offline. The database, the AI and the cybersecurity live inside the installation, and the interface is available in Spanish and English.
The full flow
Data tape
Loading of the portfolio data tape and read-only connectors to the servicer's data, with profiling and mapping to the NPL model.
Collateral on the Cadastre
Cadastral reconciliation of every collateral and a parcel viewer, with local cartography when offline.
Underwriting
NPL engine: pricing, expected credit loss (ECL), recovery and stress scenarios.
Investors
Investor CRM and matching of every loan with compatible demand.
Sale projects
Sale projects with per-asset reports.
Compliance
KYC/AML and sanctions screening of the buyer.
Capabilities
Expert NPL AI, on premises
An open-source language model running inside the installation, with NPL and company knowledge plus deterministic rules. Questions about figures are answered with the same data and permissions as the interface, and answers go through a check against invented figures. The assistant's name is configurable.
Quick loan card
Identification, debt, collateral, court status, NPL valuation, reference values (Cadastre value zones, rent and stressed-market zone) and compatible investors, in a side panel you step through loan by loan.
NPL calculator
Basic and advanced valuation: expected IRR, exit strategy and maximum price for a target IRR.
Maps without internet too
Local base map and Cadastre for the portfolio's municipalities when offline; official services when online.
Single company, local identity
Passwords and two-factor authentication (TOTP) with no external identity provider. Brand, colour and assistant name configurable per installation. On a server, the corporate identity provider can be used.
Built-in cybersecurity
API shield (attack signatures, rate limits and automatic blocking), chained and signed security log, installation integrity check and autonomous cyber-defence under human supervision, which starts in observe-only mode.
Signed licence file
Edition, users, optional modules and term in a file signed by the vendor. Lifecycle: evaluation, active, warning, grace and read-only; no state ever removes access to view or export the data.
Support under your control
The vendor has no console of its own in your installation: it only gets in through temporary access (2, 8 or 24 hours) granted by your administrator, with no access to loans, investors, documents or personal data, and every request logged.
Installation
Installer with the database and services embedded. Windows 10/11 64-bit, 8 GB of RAM (16 GB for the local AI model) and 10 GB free.
Containers with TLS on the company's server or a dedicated private cloud. Linux available; macOS planned.
Status
In pre-production. The first installations are agreed one by one with each company.
The rest of the family
Sale of repossessed properties —asset by asset, in lots or as a portfolio— in a single file.
From the plot to marketing the development, for new-build developers and sales agents.
The family platform for the rental market, tied to NOVAStrategic evidence sealing.
Each platform —NPL, REO and new builds— has its own due diligence, deterministic and cited.
Your data stays in your installation. The only thing that leaves, to be sealed, is a fingerprint.
Cybersecurity travels inside each installation: a shield in front of the application and autonomous cyber-defence under human governance.