We built an underwriting workflow that combines banking and business data and applies clear lending rules. Straightforward applications are decided automatically, and borderline cases go to an underwriter.
Industry: FinTech & Financial ServicesService: AI & AutomationUpdated
Overview
The challenge
Many healthy small businesses had strong cash flow but little traditional credit history. That pushed them into manual review, or got them rejected too early.
Long reviews meant good borrowers could go to faster lenders. The team needed to use real operating data without weakening its lending policies.
Manual reviews that took several days led qualified borrowers to abandon their applications.
A thin credit bureau file could hide an otherwise healthy business.
Underwriters could read the same borderline case in different ways.
The solution
The platform connects approved banking, accounting and business data into one view of each applicant.
Straightforward applications are checked against the lender's risk rules before the scoring workflow moves them on.
Every decision stores the main reasons behind it, so underwriters and compliance teams can review it later.
Before and after
Before
Reliant on credit history
Decisions leaned heavily on traditional credit bureau data.
After
A wider view of the business
Cash flow and business data add context for genuine SMEs.
Before
Manual notes
Each underwriter explained decisions in their own way.
After
Recorded reasons
The main decision factors are captured in the same format every time.
Before
Multi-day review
Many applications waited in an underwriting queue.
After
Fast first decision
Clear cases go through automatically, while exceptions go to people.
Key features
The platform uses approved business and banking data to add context beyond a traditional credit score.
Business impact
Wider SME coverage
Underwriters can see which business signals led to an approval, a rejection or a manual review.
Business impact
Easier review
Straightforward applications move faster, while borderline cases still get an underwriter's attention.
Business impact
62% more straight-through processing
Results
4.2x Faster Credit Decisions
Credit decisions used to take 7 days of manual review. Automating the clear cases made decisions 4.2x faster.
Before: 7 DaysAfter: 4.2x Faster
62% Increase in Automated Processing
Automated processing rose by 62%, so more straightforward applications are completed without manual underwriting.
Before: Manual HeavyAfter: Automated
18ms p95 Decisions
95% of automated decisions come back within 18ms, down from under 50ms, so applicants aren't kept waiting.
Before: < 50msAfter: 18ms
Faster delivery
Starting from tested parts let the team concentrate on the lender's own policies and data sources, so the platform launched sooner.
Tested business identity components confirm each applicant before their data is combined into one view.
Existing cash-flow analysis components turned banking and accounting data into the signals the lending rules use.
Underwriting monitoring gives the team a day-to-day view of decision speed and how many cases go straight through.
Ready-made risk controls apply the lender's policy rules and send borderline cases to an underwriter.
Trust and control
The platform records the factors behind each automated outcome so it can be reviewed later.
TRACEABLESensitive banking and business data is protected by secure access and encryption.
SECUREBorderline or policy-sensitive cases go to an underwriter instead of being forced through automation.
HUMAN REVIEWThe client owns the custom underwriting workflows and software built for the project.
100% OWNEDMany healthy small businesses had strong cash flow but little traditional credit history, so they were pushed into manual review or rejected too early. Reviews took 7 days, and good borrowers left for faster lenders. The lender wanted to use real operating data without weakening its lending policies.
The platform combines approved banking, accounting and business data into one view of each applicant, then checks straightforward applications against the lender's risk rules. Clear cases go through automatically, with 95% of decisions returned within 18ms. Borderline or policy-sensitive cases go to an underwriter, and every decision records its reason codes.
Credit decisions became 4.2x faster than the previous 7-day manual review, and automated processing increased by 62%. Underwriters now spend their time on borderline cases instead of routine ones. Each outcome stores the business signals behind it, so underwriters and compliance teams can review any decision later.
If thin credit files push good businesses into slow manual review, we can help you use cash-flow data and clear rules to decide the simple cases quickly and send the rest to underwriters.