Oper Credits built a file preparation system that runs in production with European lenders and handles payroll, payments, and loans end to end.

Mortgage teams lose most of their time not to decisions, but to the manual work before them: files that arrive incomplete, dozens of documents verified by hand, credit policy applied case by case from memory. Oper's AI credit analyst, Herman, does that work. He classifies documents, extracts and verifies data, applies your credit policy, and produces a decision-ready case file. When something is missing, he flags it early. Every step is logged, every recommendation is explainable, and the final decision always stays with your team. Herman works on top of your existing loan origination system, with no rip and replace. He is built in Europe, designed around the EU AI Act's human-in-the-loop framework, and processes without storing your customer data. Lenders across Belgium and the DACH region already run Herman in production, from specialist lenders to established banks. Oper also maintains and develops its Origination Platform for the lenders who run on it today. The company is backed by leading B2B SaaS investors. Learn more at opercredits.com or book a demo to see Herman work a real case.

Founded 2018