New white paper: Public mandate lending — from loan administration to mandate execution
Evitec Solutions has published a new white paper on public mandate lending — a segment of the European lending market where institutions finance infrastructure, housing, regional development and sustainability programmes under a public or policy-driven mandate. The paper examines why traditional loan systems fall short for these institutions and what a modern, mandate-driven lending platform must deliver.
What is public mandate lending?
Public mandate lenders are not traditional banks. They are financial institutions, agencies or specialised entities that provide financing under a public, semi-public or policy-driven mandate.
Their operating model is shaped by eligibility rules, programme conditions, collateral and guarantee structures, and high expectations of transparency and accountability. Yet many still depend on systems that were not originally designed for this level of complexity.
Why are mandate lenders modernising now?
The white paper identifies three triggers that commonly bring modernisation to the surface:
- End-of-life systems and rising maintenance costs. Obsolete technologies increase dependency on scarce skills, and tightly coupled customisations make improvements risky. The organisation pays a growing tax in cost, risk and time.
- Fragmented data and limited reuse across the ecosystem. When the same information must be entered multiple times because it is not available in connected systems, errors increase and reporting becomes dependent on reconciliation.
- Collateral and guarantees control becomes critical. In mandate lending, collateral is not peripheral. It is often the mechanism through which programme risk is governed and eligibility is enforced.
What does a modern mandate lending platform require?
The paper outlines five core requirements:
- Lifecycle depth — support the operational lifecycle from early decisions through agreements, changes, servicing, invoicing and allocations
- Configurability with control — model programme-specific rules without turning every variation into a development project
- Collateral and guarantees as first-class capabilities — treat collateral and guarantees as core operational objects with lifecycle, valuation and traceability
- Integration readiness — fit into the surrounding ecosystem through modular, API-based architecture
- Data reuse and transparency — enable single data entry and reuse so that reporting is less dependent on manual reconciliation
How does Evitec Solutions Power Lending address these requirements?
Evitec Solutions Power Lending is an end-to-end lending platform designed for complex lending environments. It supports the full operational lifecycle, configurable products and workflows, collateral and guarantee management, and integration with surrounding systems through an API-based modular architecture.
Its data model is built around single data entry and data reuse across multiple systems — reducing manual errors and making reporting less dependent on reconciliation.
The white paper also includes a buyer’s guide with questions to validate platform fit for specialised public lenders evaluating their next lending platform.
Frequently asked questions
Who is this white paper for?
The paper is written for specialised public lenders and mandate-driven financing institutions in Europe that are evaluating or planning a lending platform modernisation.
What is Evitec Solutions Power Lending?
Evitec Solutions Power Lending is a modern corporate loan origination and servicing system. It supports end-to-end operations, configurable products and workflows, collateral and guarantee management, and integration with surrounding systems through an API-based modular architecture.
How can I read the full white paper?
[Download the white paper here] or contact us at sales@evitec.com to discuss how Power Lending can support your lending operations.
About Evitec Solutions
Evitec Solutions is AI-driven trusted partner setting the Nordic standard in financial technology. A financial software provider, established in 1992, Evitec has approximately 300 employees across Finland, Sweden and Estonia. We are helping financial institutions modernise core processes through modular and scalable solutions and services. Our solutions process over 40% of Finnish mortgages, and more than one million insurance policies are managed through our platforms. Evitec Solutions is ISO 27001 certified.