Capital Finance Company s.a.l (CFC) Implements Scorto’s Risk Mitigation Suite

The Leader in Consumer Finance in Lebanon teams up with Scorto to intensify its risk management framework.

Cupertino, California, May 22, 2012. - Scorto Corporation, a globally recognized provider of decision management and risk mitigation solutions and services, announces today that it has entered into a partnership with Capital Finance Company s.a.l, a leader in consumer finance in Lebanon.

Capital Finance Company s.a.l has selected Scorto Loan Decision packaged with Scorto Strategy Maven. The system allows facilitating and automating the application process of its personal loans, car loans and credit cards, thus reducing default and delinquency rates.

"After assessing several Loan Origination Software Applications from different vendors, Capital Finance Company s.a.l (CFC) opted for Scorto Loan Decision Suite which offered a multitude of features and benefits that suited CFC's business requirements. In addition, Scorto Loan Decision could be easily interfaced with our Core System without the need for any further technical development. It is flexible and modular that could cater for CFC future growth. – says Mr. Tarek Kombarji, CEO at Capital Finance Company, - We also enjoyed working with Scorto Project Team who showed a high level of professionalism during the several phases of the project. We expect from Scorto Loan Decision to boost the efficiency of our credit officers without jeopardizing the quality of the portfolio".

Scorto Credit Scoring and Decision Management Solution suite increases ROI from existing operational systems and business processes by improving the consistency, relevancy, speed and precision of the decisions that drive them. It can deliver substantial performance gains wherever the customer must make complex decisions very rapidly and in high volumes, particularly when the policies and conditions affecting decisions are changing.

About Capital Finance Company s.a.l

Capital Finance Company s.a.l. (CFC), founded in 2000, is a financial institution specialized in Retail Finance. It is a fully owned subsidiary of First National Bank s.a.l (FNB), a major Lebanese Alpha Bank. The Company's principal business segments include the financing of Automobiles (New & Used), Consumer Durable Goods (Home Appliances, Electronics, and Furniture), Personal Loans, and the issuing and servicing of Credit Cards (MasterCard). Since its foundation, CFC established itself as an industry leader and continues to play a key role in setting the standards by which the consumer finance industry conducts business. CFC is a founding and active member of AFIL (Association of Financial Institutions in Lebanon). For more information about Capital Finance Company s.a.l please visit

About Scorto Corp.

Scorto Corp. is a globally recognized provider of decision management and risk mitigation solutions and services. Scorto’s business intelligence tools allow accurate decisioning and improve operational efficiency. The company was founded in 2005 and is headquartered in California with seven international representative offices. Scorto was included into FinTech 100 ranking of the top global technology providers to the financial services industry in 2011. For more information about Scorto’s products and services, visit

About Scorto Loan Decision

Scorto™ Loan Decision is a solution for loan origination that allows managing business processes related to:

  • Consumer lending;
  • Credit cards;
  • Internet lending;
  • Automobile lending;
  • Mortgage;
  • Contract & subscription based services.

Scorto™ Loan Decision contains all tools needed to properly evaluate the borrower and make the best decisions regarding the loan. These functionalities range from POS workplaces to tools for developing scoring and decision-making strategies. Detailed information is available at