SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.
The enhanced loan processing functionality of SAP S/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.
SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.
The enhanced loan processing functionality of SAP S/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.
SAP CML & Complex Loans – Modern Loan Management
Mapping of loans ranging from simple to complex in structure
SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.
The enhanced loan processing functionality of SAP S/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.
Our expertise
Efficient Credit Management Through Modern IT Architecture
We support you in implementing SAP S/4HANA CML and SAP S/4HANA Banking for Complex Loans into your overall banking landscape using modern integration technologies.
Take advantage of our in-depth knowledge of the data models in SAP S/4HANA Banking for Complex Loans and SAP CML, and let us handle the data migration of your loan applications to SAP S/4HANA CML and SAP S/4HANA Banking for Complex Loans.

From Integration to Transformation to SAP S/4HANA
With our proven process model, you can successfully complete the migration of SAP CML and the SAP R/3 Financing Manager to SAP S/4HANA Banking for Complex Loans /CML—regardless of whether you choose an on-premises, cloud, or hybrid model.
With the introduction of SAP S/4HANA, object and collateral management in SAP CML is no longer required. Instead, the entire collateral management process can be mapped in SAP CMS. Take advantage of our comprehensive banking and technical expertise, as well as our experience from successful projects, to ensure a smooth migration of your securities data from SAP CML to SAP CMS on SAP S/4HANA.
Implementation of a Modern Loan Management System
into the Overall Banking Landscape
Implementation and Integration of SAP CML and SAP S/4HANA Banking for Complex Loans for modern loan management
SAP CML Transformation from R/3 to S/4HANA Banking for Complex Loans /CML
Transformation SAP CML from SAP R/3 to SAP S/4HANA and SAP S/4HANA Banking for Complex Loans regardless of Greenfield or brownfieldapproach
Custom Extensions
SAP Extensions CML and SAP S/4HANA Banking for Complex Loans to include customer-specific functionalities (e.g., collateral information, IFRS, and enhancements to existing SAP Fiori apps)
Migration to SAP S/4HANA Banking for Complex Loans
Design and implementation of the data migration from existing loan applications (SAP and non-SAP)
Integration of CML and CL into the overall banking landscape
Design and implementation of the input/output sections (e.g., TXS, General Ledger, payment transaction systems, DWH)
Migration to SAP CMS
Migrating Your Security Data from SAP CML to SAP CMS on SAP S/4HANA
From conceptual design and technical implementation to go-live, including test acceptance, we provide you with everything from a single source.
The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live
Implementation and Integration of SAP CML and SAP S/4HANA Banking for Complex Loans for modern loan management.
SAP CML Transformation from R/3 to S/4HANA Banking for Complex Loans /CML
Transformation SAP CML from SAP R/3 to SAP S/4HANA and SAP S/4HANA Banking for Complex Loans regardless of Greenfield or brownfieldapproach.
SAP Extensions CML and SAP S/4HANA Banking for Complex Loans to include customer-specific functionalities (e.g., collateral information, IFRS, and extensions to existing SAP Fiori apps).
Design and implementation of the data migration from existing loan applications (SAP and non-SAP).
Design and implementation of input/output interfaces (e.g., TXS, general ledger, payment processing systems, data warehouse).
Migrating Your security data from SAP CML to SAP CMS on SAP S/4HANA.
From conceptual design and technical implementation all the way through to go-live, including test acceptance, we provide you with everything from a single source.
The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live.
Implementation of a Modern Loan Management System
into the Overall Banking Landscape
Implementation and Integration of SAP CML and SAP S/4HANA Banking for Complex Loans for modern loan management
SAP CML Transformation from R/3 to S/4HANA Banking for Complex Loans /CML
Transformation SAP CML from SAP R/3 to SAP S/4HANA and SAP S/4HANA Banking for Complex Loans regardless of Greenfield or brownfieldapproach
SAP Extensions CML and SAP S/4HANA Banking for Complex Loans to include customer-specific functionalities (e.g., collateral information, IFRS, and enhancements to existing SAP Fiori apps)
Design and implementation of the data migration from existing loan applications (SAP and non-SAP)
Design and implementation of the input/output sections (e.g., TXS, General Ledger, payment transaction systems, DWH)
Migrating Your Security Data from SAP CML to SAP CMS on SAP S/4HANA
From conceptual design and technical implementation to go-live, including test acceptance, we provide you with everything from a single source.
The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live


