Crediteris and an in-house program
A program written in-house fits perfectly on the day it is written. Then its author moves on.
$65,000, once
to configure Crediteris to your policy values, against a standing internal cost.
What differs
| Dimension | An in-house program | Crediteris |
|---|---|---|
| Fit to your credit policy | Exact. It was written from your own manual. | Implementation maps your risk scale, memo template and approval limits. |
| Who maintains it | A senior lender, between files. The first thing dropped in a busy quarter. | A product team, against a versioned specification. |
| Real cost | Rarely counted. It is senior lending time, not a line in the budget. | A price list you can put in a business case. |
| Both official languages | Usually written in one, then translated late, if at all. | English and French have equal status by design, at the same version. |
| When the author leaves | The reasoning behind the material leaves with them. | The specification, cases and rubrics stay, and so does the update path. |
When in-house wins
If your book is genuinely unusual, and one person owns the curriculum as their actual job, build it. Crediteris is worth less to you than that person is.