SAP CML — Loans Management, Done Right

End-to-end consulting on SAP CML (Consumer & Mortgage Loans) for banks, fintechs, and any organization with a loan portfolio. Functional and technical depth, from product modeling to go-live.

What you get

  • Full lifecycle delivery: discovery → design → build → test → cutover → hypercare
  • Functional consultants who model products against your real business rules
  • Technical developers who handle BAdIs, BTEs, custom programs, and FI integration
  • Direct access to senior leads — no juniors hiding behind PMs
Bluefield Migration

CML on S/4HANA Migration

Banks and lending institutions running SAP CML on classic ECC face a clear roadmap question: when and how to move to CML on S/4HANA. We use a bluefield approach — selective data transition combined with re-architected configuration — so you get the benefits of S/4HANA without the cost and risk of a full greenfield rebuild. It's the right balance for the many CML users planning their S/4HANA migration today.

  • Bluefield methodology: keep the data that matters, re-architect what should change
  • Loan portfolio data migration: contracts, balances, payment history, accounting
  • Configuration optimization: align CML setup with S/4HANA capabilities, drop legacy debt
  • Custom-development assessment: ABAP customizations evaluated for retention, refactor, or retirement
  • Parallel runs and reconciliation across the cutover window
  • Phased go-live strategy aligned with your wider S/4HANA program

What we cover in CML

Product configuration: consumer loans, mortgages, lines of credit
Payment plans, condition types, interest calculation rules
Disbursement, capitalization, and repayment processing
Provisioning, write-offs, and recovery workflows
Integration with FI (Financial Accounting)
Reporting, regulatory disclosures, and audit trails

Who we work with

  • Banks running or migrating to SAP Core Banking
  • Fintechs scaling beyond proprietary lending platforms
  • Non-financial enterprises managing employee, dealer, or customer loan portfolios
  • System integrators needing specialist depth on a CML workstream

Talk to a CML specialist

Tell us about your loan portfolio and where you are in the SAP journey. We come back with a concrete proposal.

Start a conversation
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