Automate credit decisions, document processing, and regulatory compliance across your entire lending lifecycle. Go live in days with six specialized AI agents, a RAG knowledge base, and built-in human oversight.
Platform Capabilities
From application intake to disbursement — six AI agents working in concert, with full audit trails and human-in-the-loop controls.
Our AI underwriting engine calculates FOIR, DSCR, and LTV ratios, runs multi-bureau credit checks, and generates structured verdicts with explainable risk factors — all in under 2 seconds. Every decision is logged for regulatory audit.
Recommendation: Approve ₹50L home loan at 8.5% p.a. over 20 years. Strong income-to-EMI ratio. Bureau score well above threshold.
Powered by Gemini Vision, our IDP agent reads ITRs, salary slips, bank statements, property docs, and PAN/Aadhaar — extracting and validating fields with 95%+ accuracy. One click sends verified data directly to the Credit Engine.
Full Platform
Monitor DPD trends, flag at-risk borrowers before default, and run AI intervention strategies across your entire portfolio in real time.
A lending-specific knowledge base with multi-turn AI chat. Queries RBI circulars, credit policy, and product rules with HyDE and query decomposition.
LangSmith-style observability for all AI agents. Trace LLM calls, latencies, token costs, and quality scores across your entire agent fleet.
A secure self-service portal where applicants view status, upload documents, and accept or negotiate loan offers — no branch visit required.
REST API with scoped API keys, HMAC-signed webhooks, and partner-specific rate limits. Integrates with any LOS, CRM, or fintech platform in hours.
Portfolio-level analytics: approval rates, risk distribution, revenue projections, agent performance, and 7/30/90-day trend charts — all real-time.
How It Works
Our multi-agent pipeline runs in parallel — intake, document verification, credit scoring, and compliance checks happen simultaneously, not sequentially.
Applications arrive via web form, Partner API, AI chat assistant, or contact centre — all normalized into a single application record with full lineage.
The IDP agent verifies documents while the Credit Engine assesses risk. The RAG agent checks policy compliance. The EWS agent checks existing exposure. All in parallel.
Officers review AI verdicts with full explainability — risk factors, recommendations, and conditions. One-click approve, reject, escalate, or request additional documents.
Approved offers are sent to the Customer Portal. Post-disbursement, the Early Warning System monitors DPD and flags deteriorating accounts automatically.
Governance & Compliance
Every AI decision is explainable, every action is audited, and every model is evaluated against regulatory frameworks before it touches production lending.
High-risk AI system requirements: transparency, human oversight, accuracy & robustness obligations
AI management system standard: risk assessments, bias monitoring, documentation, and internal audit
Govern, map, measure, and manage AI risk across the full AI lifecycle with automated evidence capture
Reserve Bank of India fair lending, credit underwriting, data localisation, and audit trail norms
Every AI decision can be reviewed, overridden, or escalated by an authorized officer. Full audit trail for every action.
Automated bias detection across protected attributes. Fairness reports generated on every model evaluation cycle.
Immutable, timestamped event log covering every agent action, human intervention, and status change — exportable for regulators.
Multi-Channel Origination
Applications come in from everywhere — web portals, mobile apps, contact centres, branch offices, and partner platforms. Lending AI normalises them all into a single pipeline with consistent decisioning.
POST /api/v1/applications
Authorization: Bearer ak_live_•••••••
{
"applicantName": "Rajesh Kumar",
"productType": "HOME_LOAN",
"requestedAmount": 5000000,
"creditScore": 748,
"monthlyIncome": 150000,
"existingEmi": 22000,
"jurisdiction": "IN",
"channel": "partner_api"
}
→ 201 Created
{
"applicationRef": "HL-2026-00248",
"status": "SUBMITTED",
"webhookDelivered": true
}Pricing
All plans include a 14-day free trial. No credit card required.
Trusted by lending teams across
Customer Stories
“We went from 3-day underwriting to same-day decisions. The FOIR and LTV calculations alone saved our credit team 40 hours a week.”
— Head of Credit, Regional NBFC
“The EU AI Act conformity reports gave us exactly what the regulator asked for. No scrambling, no manual work — it's all there in the Governance dashboard.”
— Chief Compliance Officer, European Fintech
“The Partner API let us integrate our LOS in under a day. The HMAC-signed webhooks mean we get real-time status updates without polling.”
— VP Engineering, Digital Lending Platform
Join lending teams using AI to approve more good loans, reject more bad ones, and spend zero time on compliance paperwork.
No credit card required · Cancel any time · SOC 2 Type II · GDPR compliant