A loan processing app for SME lenders, brokers, and credit unions. Application capture, document upload, underwriting checklist, credit-bureau pull, decision, drawdown. We integrate Experian, Equifax, ComplyAdvantage, Open Banking. FCA-audit-ready by design.
Application, underwrite, decision, drawdown — one pipeline, audit-trail-ready.
Mobile-first, multi-step application. Save and resume. Auto-extract from uploaded documents (bank statements, accounts). Drop-off engineered down by design.
Per-product checklist: identity, affordability, security, conduct. Underwriter ticks; nothing missed. Escalations route automatically. Notes and evidence captured per item.
Bureau pulls on submit (with consent). Open Banking transaction history pulled. Affordability calculated from actual cash flow, not stated income.
Decision tree configurable by product. Auto-approve at low risk. Refer with the specific failed criteria flagged. Decline with reason captured for adverse-action.
Approved loan triggers contract via DocuSign, payment via Faster Payments / BACS, ledger entry via accounting integration. Borrower funded same day where possible.
Live: pipeline by stage, average decision time, decline reasons, arrears rolling 30/60/90, recovery actions. The board pack writes itself.
A challenger SME lender ran applications across email, Excel, and a folder of bureau PDFs. Median decision time: 4.6 days. We shipped a custom loan-processing CRM with Experian, Open Banking, and DocuSign wired in. Nine months in: decision time 18 hours, book size £40m → £88m with the same underwriting headcount, FCA s.166 file review came back clean.
How we measure: Decision time measured from app-submitted to decision-issued (n = 1,200 over 12 weeks pre/post), book size measured from ledger month-end, FCA findings sourced from regulatory letter.
Most-relevant verticals — but the same shape works for adjacent ones.
We integrate your bureaus, your decisioning, your audit pack.