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Business Identity
A tested starting point for business identity reduced repeated setup work.
We built an underwriting workflow that combines banking and business data, applies clear lending rules, and automatically handles straightforward applications while sending borderline cases to an underwriter.
Trusted by teams building ambitious products
A lender serving businesses that did not always have a long traditional credit history.
Coretus supported data connections, underwriting rules, scoring workflows, decision explanations, and day-to-day monitoring.
Use more business signals to review legitimate SME applicants faster.
A decision workflow that combines cash flow, business records, and lending rules before routing each application.
Many healthy small businesses had strong cash flow but limited traditional credit history, which pushed them into manual review or caused them to be rejected too early.
Those longer review cycles meant good borrowers could leave for faster lenders. The team needed a better way to use real operating data without weakening its lending policies.
Decisions relied heavily on traditional bureau information.
Cash flow and business data provide more context for legitimate SMEs.
Underwriting explanations varied between reviewers.
Key decision factors are captured in a consistent format.
Many applications waited in an underwriting queue.
Clear cases can move through automatically while exceptions go to people.
The platform uses approved business and banking signals to add context beyond a traditional credit score.
Underwriters can see which business signals contributed to an approval, rejection, or manual review.
Straightforward applications move faster, while borderline cases still receive human attention.
Tested foundations helped the team spend less time on setup and more time on the parts that made this product useful.
A tested starting point for business identity reduced repeated setup work.
Reusable work for cash-flow analysis let the team focus more time on the client’s specific needs.
This made it easier to add underwriting monitoring without rebuilding common foundations.
A tested starting point for risk controls reduced repeated setup work.
A straightforward before-and-after view of what changed for the team and their customers.
Automation reduced manual slowdowns and moved eligible applications through the process faster.
More straightforward applications could be completed without manual underwriting.
The automated decision workflow responded quickly enough to keep the applicant experience moving.
Coretus didn’t just automate a process, they built a governed decisions engine that opened a market we previously couldn’t serve. Our approval speed spiked by 4.2x without a single compromise on risk policy.