Loan servicing infrastructure, with AI built in.
Loan servicing, securitisation and payment rails on one platform, right to the cent. Use our dashboard, connect through the same API, or both. We run the system; you run your lending.
Lending products and technology that never quite met.
Lenders design good products, then the system behind them can't keep up. Customers lose trust, teams patch the gaps, and investors feel it too. Pixcel is a lending infrastructure company, founded in Australia, that closes that gap, built by people who have worked on both sides of it. Our mission: helping lending get better.
I've spent more than a decade on both sides of lending, inside lenders and at their vendors, designing and building systems beside the product, operations and securitisation leaders who run them. I kept seeing the same gap, so I built the infrastructure I wish those lenders had.
Pankaj Jakhar · Founder, Product & Technology
Run lending, not loan systems.
Servicing doesn't fail loudly. It fails quietly, in moments like these. Hover or tap a question to see what changes.
Does a payment holiday, rate change or early repayment mean fixing the loan by hand?
Recalculates for you.
Schedules, interest and fees follow every change, even a repayment reversed a month late.
Does every new product or fee need custom development?
Configure it.
Products, fees and schedules are settings, not projects.
Does your team wait on engineers, in-house or your vendor’s, to explain a balance?
Ask Pixie.
Answers from the loan’s own records, with sources. Your team decides.
Does someone put customer statements together by hand?
Generated for you.
Statements come straight from the ledger, on schedule.
Do you keep engineers maintaining loan servicing, when lending is your product?
We run the system.
Hosted, monitored and upgraded by Pixcel. You run your lending.
Do your investor reports and your loan book tell different stories?
One ledger.
Pool and investor figures come from the same loan events as servicing.
Do you lose weeks every year finding answers for auditors?
Already recorded.
Every balance traces back to its events, ready to export.
Everything after settlement, in one place.
Every module shares one ledger, so the numbers always agree. Start with what you need and add more as you grow.
Customer & case management
Customers, cases and messages in one record, linked to every loan.
Loan Servicing
Repayments, billing, interest, fees and reversals, automated end to end.
Securitisation & investor reporting
Investor pools, positions and settlement, straight from the servicing ledger.
Collections
Arrears workflows and recovery.
Works with the systems you already have.
Keep your origination system, apps and payment providers. Your team gets a full Pixcel dashboard from day one, and it is built on the same secure API we give you. So anything the dashboard can do, your systems can do too, with the same checks, permissions and audit trail.
One repayment, fully explained.
What happens the moment a repayment lands: balances update, the payment is split across principal, interest and fees, and every step is recorded. This is the real product, shown with sample data: the same platform our first lender is integrating with in sandbox today.
Loan overview
$184,500
$2,450
Repayment allocation
$1,240
Principal
$950
76.6%Interest
$240
19.4%Fees
$50
4%Audit trail
Payment received
09:14 AM$1,240.00 via direct debit
Payment allocated
09:14 AMSplit across principal, interest and fees automatically
Interest accrued
12:00 AMDaily accrual posted to the ledger
Statement generated
YesterdayMonthly statement sent to the borrower
AI in every workflow. Every answer auditable.
Pixie, our AI assistant, works inside daily servicing, not beside it. It investigates loans, triages problems and drafts replies, using your own records and each user's own permissions. It suggests; your team decides. And because it runs on the same ledger and audit trail, every answer can be checked.
Pixie
ExampleAsk Pixie
Anything about a loan or a customer, in plain language.
Personal data masked
Names and identifiers are masked before anything reaches the AI.
Processed in your region
AI runs in your data’s region. Pixcel refuses any AI model that would send data outside it.
Logged & audited
Every question and answer is recorded, with the records it cited.
Gets sharper with use
Your team rates answers, and Pixie learns how you work.
What changes, whatever you run today.
Most lenders we meet run servicing in one of five ways. Find yours.
An older core lending system
Product changes take months, and every upgrade is a risk.
Configure products yourself. Every release is tested in your sandbox first.
A large global platform
Shared infrastructure, set up for someone else’s market.
A dedicated environment in your country, managed by Pixcel, with local payment rails built in.
A platform built on a CRM
Servicing is tied to CRM licences and to what the CRM can model.
Servicing runs on its own. Keep your CRM for customer service and connect it through the API.
An in-house build
Your engineers maintain servicing instead of your product.
We maintain the engine. You keep full control through the API.
Spreadsheets around the system
Reversals, hardship and fees fixed by hand, and hard to explain later.
Every change recalculates automatically, with a full audit trail.
An older core lending system
Product changes take months, and every upgrade is a risk.
Configure products yourself. Every release is tested in your sandbox first.
Built to pass your risk and security review.
Your loan book is too important to run as a black box. The answers your risk, compliance and IT teams need come from how Pixcel is built, not from a policy document.
Right to the cent
Same inputs, same answer, every time. Balances are built from a history that is never overwritten.
A full audit trail
Every action is tied to a person or the system, and can be exported on demand.
A dedicated environment
A dedicated AWS environment and database for every lender, managed by Pixcel in your country’s AWS region. Never shared.
Quarterly releases, on your terms
New capability never lands in production unannounced.
Your Sandbox
Every release lands here firstYou validate
Test it against your own setupProduction
Rolls out once you’re readySee Pixcel run, live
Bring your current setup and your hardest servicing questions. We'll show you where Pixcel fits, on the real product.
A loan, from product setup to disbursal
A repayment, and a late reversal handled safely
Pixie investigating a loan in plain language
How your existing systems connect through the API
How we would move your current loan book across
Early lender programme
Be one of our first lenders: hands-on setup, and direct access to our founder and product team from day one.