Crédilab, from Excel configurator to multi-tenant SaaS.
A B2C credit broker operating on shared spreadsheets across the sales team. Multi-tenant SaaS shipped in 16 weeks, parametric simulator by loan type, automatic lead routing to available commercials, real-time direction dashboard.
“Before Crédilab we took several days to qualify a file. Today the simulator does it in 2 minutes and our commercials only handle qualified files.”
A simulator meant to replace legacy spreadsheet tooling.
The commercial team was using macro-driven spreadsheets to compute monthlies, rates and borrowing capacity. Manual rate updates, chaotic versioning, systematic entry errors. Goal: a web simulator with versioned admin rates, instant client-side calculation, lead capture wired to the CRM.
Regulated finance compliance + total traceability.
Each simulation had to be timestamped, archived and reproducible for regulated-finance compliance. Rates couldn't be modified without trail. The simulator also had to handle a multi-product loan engine (real estate, consumer, consolidation, professional, etc.) with different calculation rules.
Versioned calculation engine · multi-tenant front · native audit log.
Multi-tenant architecture with a dedicated Postgres schema per client. Versioned calculation engine: each rate change creates a new immutable version. Public front for visitors, internal dashboard for commercials, admin console for direction. Automatic lead routing wired to HubSpot with availability rules.