How it works
Your lending flow, automated end to end
Eight steps from application to settled disbursement. Agents run the operational work at each one; your team keeps the credit decision. The same flow serves a single book or a multi-partner network.
01 · LIFT
Originate
The SME applies once. Identity, business verification, documents, and data consent across bank, card, POS, and e-commerce, collected in a single flow, prefilled from registry lookups.
02 · DOCUMIND
Analyse the data
Bank statements, card and POS settlement, and e-commerce sales parse into one structured signal set: balances, inflows and outflows, settlement volume, bounced items, recurring obligations. Each field carries a confidence score.
03 · SENTINEL
Score
Policy rules run first, then the model. The output is a score, a probability of default, and ranked reasons, all written to the decision log.
04 · AUTOMATED
Match to the right product
The scored application is checked against your product shelf, limits, and available capacity automatically. For a multi-partner network, the same step routes across lenders.
05 · LENDER
Decision
The matched lender approves, declines, or refers, with the full signal set in front of them. The borrower hears one answer with terms, not a queue of separate verdicts.
06 · FLUX
Disburse
The credit team releases funds under maker-checker. One action, fully attributed, with Vault confirming capacity before the release is offered.
07 · VERTEX
Settle
The disbursement posts as a balanced double-entry transfer. Balances are live the same second; reconciliation happens as money moves, not at month end.
08 · RISKRADAR · COLLECTBOT
Monitor and collect
RiskRadar streams portfolio risk signals back into Flux. CollectBot sequences repayment follow-up and escalates to a human only when rules say so.
What the rail returns
One decision, fully reasoned
Not a queue of separate verdicts: a single scored answer with ranked reasons, drawn from every data source and logged for the regulator.
Probability of default 4.2% · suggested limit PKR 2.5M
Logged to immutable decision trail
Walk the flow with your own data
Bring a few anonymised data files: statements, card or POS exports, e-commerce sales. We will run them through the rail live.