LOS business case template

A business case structure you can use to quantify benefits, costs, risks, and rollout assumptions for a loan origination program.

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What this template helps you do

Benefits framework (throughput, conversion, risk, experience)

Cost model prompts (delivery, integrations, operations)

Risk and governance checklist

Example KPI set for measuring success post go-live

Use this template to align stakeholders on baseline metrics, target outcomes, delivery approach, and the governance model, then quantify cost vs benefit on a defensible 3–5 year horizon.

Worksheet · Recommended RFP sections

01
Executive summary and recommendation
What you’re asking for, why now, expected outcomes.
02
Baseline metrics
Time-to-decision, cost per application, conversion, drop-off, error rates.
03
Target outcomes and assumptions
STP rate, stage durations, exception reductions, with realistic ramp.
04
Benefits model
Throughput, conversion, risk, and experience improvements with sensitivity ranges.
05
Cost model
Delivery, integrations, change management, ongoing operations, and licensing.
06
Delivery approach and timeline
Thin slice → expand, milestones, dependencies, and resourcing.
07
Risks and mitigations
Delivery, regulatory, integration, and people risks, and how you manage them.
08
KPIs and measurement plan
What you’ll measure post go-live and the dashboards required.

Preview · sample questions

Question bank preview

Benefits & value

·
Which metrics will materially move, and over what timeframe?
·
How do we evidence baseline vs target with current data?
·
What is the cost of doing nothing over a 3-year horizon?

Costs & investment

·
What are the realistic ranges for implementation, integrations, and change?
·
How does pricing scale with volume, products, or users?
·
Which costs are one-off vs recurring across a 5-year horizon?

Risk & governance

·
What evidence and audit trails will the program produce?
·
How will policy and workflow change be governed post go-live?
·
Where are the largest delivery risks and how are they mitigated?

Operating model

·
Who owns workflow, policy, integrations, and templates after launch?
·
How do we operate during incidents, upgrades, and vendor changes?
·
What capability uplift is required in the team?

Delivery confidence

·
What does the first thin slice look like and what proves it works?
·
Which references match our profile and operating model?
·
How do we de-risk the first 90 days of go-live?

Commercials & TCO

·
What sits inside the license vs is charged separately?
·
How are change requests and new products priced over time?
·
What contractual protections cover delivery and support outcomes?

Tip

Avoid over-optimistic automation rates. Sensitise benefits ±20% and show the case still holds. It’s the strongest signal to a finance reviewer that the program is grounded.

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