Customer Story: How Silva Finance Structured Secured Lending Operations with Property Finance Software
Silva Finance SIA is an established lender operating in Latvia, providing financing solutions to both companies and individuals. The company specialises in loans secured against forest and agricultural land, offering funding of up to 90% loan-to-value (LTV).
Supporting Secured Lending in Latvia
By focusing on land-backed lending, Silva Finance enables businesses to fund development projects, manage investments and access capital on terms that are often more flexible than those available through traditional high-street banks. Their three primary customer groups include individuals, legal entities and farmers — each with distinct financing needs and risk profiles.
Operating in the secured lending space requires a structured, disciplined approach to both collateral management and credit decision-making.
The Structural Complexity of Secured Property Lending
Lending against forest and agricultural land introduces operational challenges that differ significantly from unsecured or consumer credit products.
Every loan is secured against property, making valuation accuracy and collateral tracking central to risk management. Property documentation, pledge registration and valuation workflows must be carefully managed to ensure consistency and transparency.
While Silva primarily operates in the unregulated business lending segment, a portion of its portfolio involves lending to individuals, bringing regulatory considerations into scope. This dual operating environment requires clear separation of workflows, compliance controls and approval structures.
Without a structured system, managing secured property lending at scale can introduce operational risk and process bottlenecks.
Structuring Operations with Property Finance Software
To support its operational model, Silva Finance implemented LendFusion as its core property finance software platform.
The system was configured to reflect Silva’s specific business requirements, building on the base LendFusion architecture while introducing customisation aligned to their secured lending model.
Silva Finance utilises multiple modules within the platform:
- Application module for customer onboarding and KYC processes
- Loan module for full loan administration and lifecycle management
- Real Estate module for structured collateral tracking and property-level oversight
- Template module for automated communication and invoice management
This configuration provides a unified operational framework covering origination, underwriting, collateral management and servicing.
Strengthening Credit Governance and Reducing Operational Risk
A key enhancement in Silva’s operational evolution has been the implementation of a structured credit committee workflow within the platform.
Complex lending decisions require review by multiple credit committee members. Within the system, approval requirements are automatically determined based on KPI-driven analysis. This ensures that higher-risk or higher-value transactions are subject to the appropriate level of oversight without introducing unnecessary delays for simpler cases.
By embedding governance logic directly into the workflow, Silva Finance has significantly reduced operational risk while maintaining decision consistency.
The ability to migrate their existing loan portfolio into the system using structured migration templates further supported continuity and reduced implementation costs. This provided flexibility during transition while consolidating all portfolio data into a single cloud-based environment.
Enabling Scalable Secured Lending
Through the use of property finance software, Silva Finance now operates on a consolidated, cloud-based platform that supports the full lending lifecycle — from onboarding and valuation to approval and servicing.
The system provides structured collateral management, automated workflow routing and centralised data storage. This operational clarity supports both business lending and regulated individual lending within the same framework.
With reduced manual intervention, improved governance controls and streamlined loan administration, Silva Finance is positioned to continue expanding its secured lending activities in Latvia while maintaining disciplined risk management.
About LendFusion
LendFusion helps lenders scale efficiently by automating loan management, reducing manual workloads, and integrating with key financial tools. With a modern, flexible LMS designed for customization, LendFusion empowers lenders like Silva Finance to streamline their operations and grow with confidence.
Want to see how LendFusion can help your business scale?
Book a demo today and discover the future of automated lending.
Vahuri Voolaid, COO
Vahuri is the Chief Operations Officer at LendFusion. Vahuri has 9 years of experience in fintech with loan management software as a product owner and an MBA with a specialisation in IT management.
Connect with Vahuri on LinkedIn.
