Turns Financing: Secure Mobile Loan Origination
A compliant mobile and web platform designed to digitize loan origination for the home improvement sector. The application enables borrowers to apply for, verify, and secure project financing directly from their devices, reducing paperwork and streamlining the overall loan application process
- 500+
- App Downloads
- 200+
- Total Users
- 120+
- Push Notifications
Overview
Turns Financing is a secure loan origination platform built for the home improvement sector. Available across iOS, Android, and web, it enables homeowners to apply for and secure project financing through a streamlined, fully digital, and compliant application process.
Moving Beyond Paper Processing: The Demand for a Frictionless Digital Origination Workflow
The traditional loan application process for home improvement projects has historically been a high-friction experience. Borrowers and contractors are consistently slowed down by manual paperwork, prolonged underwriting timelines, and the necessity of physical document submissions.
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To eliminate these operational bottlenecks, Turns Financing Services recognized the strategic need to modernize their pipeline. The objective was to transition the entire origination and closing cycle into a secure, mobile-first environment, accelerating capital deployment while providing borrowers with a fully compliant, self-service digital platform.
The Challenge
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Data Encryption
- Protecting sensitive financial data from unauthorized access.
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API Integrations
- Routing loan applications across multiple lending partners
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Live Verification
- Embedding real-time address validation and GPS tracking
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Industry Compliance
- Ensuring strict adherence to financial industry regulations
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UX Simplification
- Simplifying complex origination tasks without user friction
Strategic Opportunities
The mission was to engineer an innovative mobile solution that provided high-value functional channels for both the client and their borrowers
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Simplifying the entire home improvement financing cycle into a clean, digital-first experience that eliminated manual data entry
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Enhancing the borrower experience by providing an intuitive, self-service platform for application submission and final loan approval
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Deploying advanced technical infrastructure to meet the growing sector demand for secure, efficient, and fully digitized financial services
Project Solutions
To transition the manual lending pipeline into a fully digitized environment, our engineering team delivered three core system integrations.
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Deployed multi-lender APIs with real-time address verification to securely automate backend approval routing
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Established robust data encryption and e-signature frameworks to guarantee strict financial regulatory compliance
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Engineered a frictionless mobile interface that simplifies complex, multi-step loan origination tasks for borrowers
Tech stack
Technologies
Built with a modern, scalable technology ecosystem.
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Mobile
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JAVA (Android)
Mobile
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Database & Backend
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MySQL
Database & Backend
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Development Environments
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Xcode
Development Environments
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UI/UX Design
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Adobe Photoshop
UI/UX Design
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Version Control
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GitHub
Version Control
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Our Process
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Requirement Analysis
Workflow assessment Security planning
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Product Design
User-centric interfaces Iterative agile testing
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Development
Multi-lender APIs Live verification tools
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Deployment
App & Play Store launch Server configuration
Technical Delivery Highlights
Following its live rollout in August 2018, the application established a secure, compliant digital infrastructure that successfully modernized the home improvement loan origination cycle.
- 98% Transaction Accuracy
- 90% Customer Processing Speed
- 3X Financial Workflow Efficiency
- Encrypted Robust protection for sensitive personal and financial user data
- Verified Embedded real-time address validation and GPS tracking
- Compliant Strict adherence to financial industry regulations and e-signatures
The primary technical hurdle for Turns Financing was replacing a paper-heavy workflow with a secure digital pipeline. We at AppZoro architected the backend to handle live address validation and route applications instantly across multiple lending partners. This infrastructure eliminated traditional underwriting bottlenecks, creating a compliant, self-service platform that protects borrower data from start to finish.
Client Testimonial
In addition to superb communication, they built a very smooth app with intuitive navigation and a clean interface
