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Underwrite MSME loans in minutes, not weeks.
AI agents turn messy applications — scanned IDs, bank statements, handwritten ledgers — into a decision-ready credit memo, checked against your lending policy. Your officers make the final call.
Credit assistantHi, welcome! I'll help you apply for a business loan. Please fill in the basic details below.
Credit assistantThanks, Alex. Please upload your latest bank statements and sign the credit bureau and eKYC consent.
Credit assistantConsent received, thank you. Your statement covers 3 months, but this loan needs 6 months. Could you upload May to October? Please also upload your business certificate.
Credit assistantAll documents received and verified. Running your checks now.
Ask anything about your application.
Lending breaks before the credit decision.
Most of a credit officer's day goes on chasing documents, re-keying numbers and writing memos. Very little of it goes on judgement.
The result: weeks of turnaround time, limited visibility and messy data.
Agentic credit intelligence runs all four at once, within minutes.
One intelligence layer that fits into the stack you already run.
memoAudit-ready
What changes for your credit team.
Illustrative figures based on internal benchmarks for an SME loan application. Actual results depend on product, data and policy.
Your best credit officer's process, on every file.
Specialised agents handle each stage of the credit lifecycle against your policy. Every figure links back to the page it came from, and your officers make the call.
Complete the application
Applicants apply through a guided AI assistant that knows what your credit team needs.
- Collect the documents your team needs
- Clarify incomplete/inconsistent answers from borrowers
- Screen applicants against your eligibility rules
Credit assistantCredit assistantVerify the business behind the application
Business identity is checked against document and transaction evidence.
- Compare declared activity across documents
- Cross-check business identity
- Read seasonal patterns
Detect fraud and risk signals
Altered documents and unusual activity are surfaced and linked back to their source.
- Cross-check every submitted document
- Spot edits through metadata and running balance checks
- Flag gambling and betting
- Check online presence via Google Maps and more
Gain full financial visibility
With cash flow mapped from raw statements, analysts judge repayment capacity in minutes.
- Understand income, expenses and cash flow instantly
- Assess repayment capacity under various scenarios
- Flag transactions requiring analyst review
Get an instant credit memo
Every finding comes together in one audit-ready memo, mapped to your policy.
- Every figure linked to its source
- Open points flagged for review
- Your officer makes the call
Monitor borrowers after disbursement
Repayments and fresh statements keep each risk profile current.
- Track repayment behaviour over time
- Identify changes in financing capacity
- Review alerts before extending credit
Reads the documents your borrowers actually have.
Clean digital files or phone-camera scans. Every field is extracted, checked against the rest of the file and linked back to the page it came from.
For lenders growing their MSME book.
See it on your own applications.
A focused pilot shows the difference against your current process before you commit.
Questions lenders ask us.
Does it make the credit decision on its own?
No. Agents prepare the evidence, analysis and a recommended approve or decline in an audit-ready memo. Your officers review and sign off on every decision.
Which documents and formats can it read?
Bank statements, invoices, contracts, IDs, financial statements, tax returns, payslips, e-wallet statements, handwritten records, utility bills and property titles, as PDFs or scanned images.
Do we need to replace our loan origination system?
No. It connects to your core banking system, LOS, credit bureau and government registries.
How do we get started?
With a pilot on one loan product and an agreed sample of applications, measured against your current review time and effort.