Digital Lending Platform

Sanction loans in minutes, not days.

A complete digital journey from first click to decision, in one sitting. Document intelligence, a configurable rule engine, and a credit back office that drafts its own appraisal memo, all inside your own infrastructure.

See the platform

1.1sUpload to structured data

600pgStatement read in under 60s

10+Document types read natively

Origination consoleSample file

UploadText acquisitionType detectionStructured dataPolicyDecision

File APP-2026-0481Product Business LoanElapsed 2.6s

Document type: Bank statement, 12 months
Text acquisition: Digital PDF parse
Account holder: Matched to application
Opening plus credits less debits: Balances to closing
Tax ID checksum: Valid
Bureau report: Score band, obligations
Tampering signals: None detected
AI-filled fields: Badged in the UI

Product scheme evaluated, every rule named

APPROVEWeightage score attached, reasons listed

Platform activity

1.1sStatement parsed, validated and source traced<60s600 page bank statement analysed on your own hardware<1.5sProduct scheme evaluated, every failed rule named0 bytesDocument content sent to any cloud AI service10+Document types read natively, multi-language OCR1 clickBank styled Credit Appraisal Memo exported to PDF100%Decisions explainable, with an audit row on every call6 stepsFirst click to decision, no branch visit1.1sStatement parsed, validated and source traced<60s600 page bank statement analysed on your own hardware<1.5sProduct scheme evaluated, every failed rule named0 bytesDocument content sent to any cloud AI service10+Document types read natively, multi-language OCR1 clickBank styled Credit Appraisal Memo exported to PDF100%Decisions explainable, with an audit row on every call6 stepsFirst click to decision, no branch visit

Four pillars, one continuous flow.

One platform takes a borrower from first click to sanctioned loan, and hands your credit team a file that has already been read, checked and scored.

Customer Journey

Bank branded onboarding: loan selection, mobile OTP, profile, and a live personalised offer, with no app download and no branch visit.

Document Intelligence

Uploads parsed, verified and structured in about a second, with hard validation on every tax ID, national ID and statement balance.

III

Rule Engine

Your credit policy as configurable rules, authored by business users, returning instant verdicts with the reasons attached.

Credit Back Office

Fraud analytics, bureau reports, an auto drafted appraisal memo, and voice and WhatsApp follow up logged against the application.

1.1sDocument upload to structured data

<1.5sRule engine decision, with reasons

10+Document types read natively

7Loan products, journey ready

6Steps from first click to decision

Digital forms fixed the front door.

The bottleneck moved behind it, into document review, policy application and appraisal writing. Four failures decide most files before an officer ever forms a view.

Manual document reading

Every statement, tax return and bureau report keyed in by hand, each one a chance for an error to reach the credit decision.

Policy lives in people's heads

Two officers, same file, different outcomes, and no audit trail explaining why.

Fraud found too late

Tampered statements surface at post sanction audit, when the money has already moved.

Days to a decision

Every handoff adds a day. The borrower who waits a week has already signed with someone faster.

Traditional process5 to 7 days

Time to sanction on the same file, with every handoff counted.

With FinceraMinutes

Same file, read and decided inside one sitting.

A private banking experience, wearing your brand.

Six guided steps, fully white labelled with your identity. No app download, no branch visit, one sitting.

StartBorrower applies

Choose Loan

Seven products, tailored offers.

7 products

Verification

Mobile OTP, in seconds.

Profile

Smart application form.

Offer

Live, personalised terms.

live pricing

Documents

Parsed while they watch.

parsed in 1.1s

Decision

Verdict with clear reasons.

reasons attached

EndSanctioned

Seven journey ready loan products feed step one

RetailPersonal Loan
RetailHome Loan
SecuredLoan Against Property
RetailTop-up Loan
RetailBuy Now, Pay Later
High ticketBusiness Loan
SecuredGold Loan

The same journey serves salaried and business borrowers. The form and the required documents adapt to the product chosen.

See how the documents are read

Document intelligence

A PDF becomes underwriting data in about a second.

Manual data entry disappears. Deterministic engines do the heavy lifting and AI fills only the gaps, under strict guardrails.

1.1s

Median time from upload to fielded, validated, source traced data on your own hardware.

01UploadDrag and drop with live progress. Password protected PDFs handled.
02Text acquisitionDigital PDF parse, with OCR for scans and photos in multiple languages.
03Type detectionWrong file in the ID box is caught instantly and a re-upload is prompted.
04Structured dataFielded, validated and source traced, in about 1.1 seconds.

Fast laneWhat the borrower waits for

Deterministic parsers, in parallel

Purpose built readers per document type, millisecond fast and fully auditable. Code does not hallucinate financial figures.

Hard validation

Tax ID, national ID and registration checksums. Statements must balance: opening plus credits minus debits equals closing.

AI laneBackground, never blocks anyone

Local AI fills only the gaps

Runs inside your perimeter and reads only the relevant passages. Documents never leave your infrastructure.

Hallucination guard and fusion

Every AI value must exist in the source document, a verified parser value is never overwritten, and AI fields are badged in the UI.

A 600 page bank statement is parsed, validated and analysed in under 60 seconds

Why local AI

On-premise. Faster than the cloud, and nothing leaves.

Fincera's document AI runs on local models inside your perimeter. No cloud round trips, no per-page metering, no data egress. That one choice changes the speed, the cost and the compliance story.

Local AI compared with a cloud hosted document service
Dimension	Fincera, local AI	Cloud AI
Where documents go	Stay on-premise, always	Leave your perimeter to a third party
Speed	600 page statement in under 60s	Per-page API calls, rate limits, queues
Cost at scale	Fixed infrastructure, no per-page fees	Grows with every page processed
Data residency and audit	Inside your compliance boundary	Third-party DPAs, cross-border questions
Availability	Works with restricted egress	External uptime and quota dependent

Strict privacy mode

Every cloud fallback, disabled outright

One switch guarantees no document content can ever reach an external service.

Deterministic first

AI assists, it never decides alone

Most fields come from auditable engines. The local model only fills gaps, and every AI value is verified against the source document before it is accepted.

Built for real-world paperwork, out of the box.

Dedicated extractors tuned to the layouts banks actually receive: masked account numbers, multiple currency and number formats, multilingual documents.

Bank statements

Any major bank's format

Transactions, balances, bounce and penalty signals, verified to the last decimal.

Credit bureau

Experian, Equifax, TransUnion

Score, active loans, overdues and enquiry history.

Tax and financials

Returns mapped to ratios

Income tax returns and business financials, mapped straight to appraisal ratios.

Tax and VAT

Filing discipline

Turnover trends and filing discipline, consolidated across periods.

KYC

ID and address

Identity extraction with checksum validation, cross matched against the application.

Salary and charters

Salaried and business

Salary components for salaried loans, incorporation documents for business loans.

Same extraction engine, available as an API

Bank-grade posture, by default.

Everything sensitive stays inside your perimeter, every action leaves an audit trail, and every decision can be explained to a regulator.

Documents, models and decisions stay inside the boundary you already control.

Data
On-premise document AI
Local models inside your infrastructure, with strict-privacy mode to disable all cloud fallbacks.
Privacy
PII masked before storage
Tax IDs, national IDs and account numbers are masked before anything is written to logs or dashboards.
Audit
Every action traceable
Who, when, with what data, and what the engine answered, logged on every evaluation and API call.
Access
Isolation and least exposure
Role based access, per-tenant isolation, and credentials held server side, never exposed to clients.
Abuse
Hardened entry points
Hashed keys, rate limiting and login throttling. Production refuses to start with weak secrets.
Explain
Regulator friendly decisions
Deterministic parsers and rules mean every number and verdict traces back to its source.

Business rule engine

Your policy, executed the same way every time.

Credit teams author rules, conditions and formulas in the scheme builder, and existing policy schemes import directly. No code, and no engineering queue.

Input

Application data

Form fields and extracted document data, merged.

Policy

Product scheme

Rules, conditions and variables, per loan product.

Engine

Evaluation

Formula engine and weightage scoring across every rule.

Output

Decision and reasons

Instant verdict, with every failed rule named in plain language.

Sample product scheme8 of 8 evaluated
01Applicant age within product bandPASS
02Minimum monthly incomePASS
03Bureau score above policy floorPASS
04Active obligations within limitPASS
05Statement balances reconcilePASS
06Bounce count within tolerancePASS
07Tax filing continuityREFER
08Fixed obligation to income ratioPASS

Weightage scoring, not just pass or fail, so pricing can key off the score

APPROVE

Cleared, with a strength score so pricing and deviations can key off it.

REFER

Sent for review, with the exact rules an officer needs to check.

DECLINE

Declined, with every reason stated in plain language.

<1.5sDecision time

100%Decision consistency

0Unexplained decisions

Catch fraud before sanction.

Tampering, cash-flow and bureau checks run before the file is opened. Then a Credit Appraisal Memo assembles itself from everything the platform has already learned.

Bank fraud analytics
Tampering signals, circular transactions, balance manipulation and cash-flow anomalies, scored and flagged.
Bureau summary
Score band, live obligations, overdues and enquiry velocity, readable at a glance.
Monthly ledger view
Month by month inflows, outflows and average balances across all statements.
Tax and financials
Consolidated turnover, growth trend, filing gaps and ratio analysis from tax returns and financials.

Credit Appraisal MemoAuto drafted

Proposal summary and borrower profile
Auto filled from the application and the verified documents.
Financial and working capital assessment
Computed from extracted statements, tax returns and filings, never re-keyed.
AI company research
Background on the borrower's business, market and standing, woven into the file.
Risk commentary and decision annexure
Rule engine outcome and analytics findings, attached with reasons.

Hours down to minutes. The officer reviews and signs instead of typing.

The platform also speaks to your customers.

An AI voice agent follows up for document reminders, offer follow-ups and status updates, and logs every conversation against the application. Every capability is also an API.

Voice agent, one working day
Borrower	Product	Outcome
Daniel Fosternow · 2:14	Business Loan	LIVE
Sophia Bennett11:42 · 3:08	Home Loan	DOCS SENT
Michael Chen11:18 · 0:42	Personal Loan	VOICEMAIL
Emma Rossi10:55 · 4:31	Loan Against Property	OFFER ACCEPTED
Lucas Moreau10:22 · 0:00	Gold Loan	NO ANSWER
Olivia Silva09:48 · 2:56	Top-up Loan	CALLBACK SET

14Calls placed

64%Documents collected

2:38Average duration

Voice, WhatsApp and Salesforce sync, full contact history on every file

One API for scoring, KYC and document intelligence

POST /v1/score
x-api-key: fin_live_9f3c...

{
  "modelKey": "credit-risk-salaried",
  "req_amount": 200000,
  "credit_score": 720
}

ResponsePII masked, audit row written

200 OK   184ms   billed: 1 hit

{
  "predictedLabel": "low_risk",
  "predictedScores": { "low_risk": 0.82 }
}

11 models: risk, amount, propensityone key, one contract

01
AuthenticateKey validated and rate limited.
02
Authorize and bill-checkAllow-list and balance gate.
03
Route and callFriendly key resolved to the right engine.
04
Persist and chargeMask PII, write audit and ledger in one transaction.
05
Return verbatimClean JSON back to you.

11ML scoring models: risk, amount, propensity

9KYC and verification checks

12Document types on the extraction API

Metered billing
Usage dashboard
Client portal
eSign and eNACH
Payment rails
Credit bureaus

Grow with us

Start with lending. Add more where it pays next.

Modules built on the same platform, same data, same security posture. Each one plugs into the lending core you already run: no new vendor, no new integration project.

AI Collections Suite

The same voice agent, pointed at repayment: payment reminders, promise-to-pay capture, and empathetic early-bucket outreach that scales without headcount.

Early-Warning System

Portfolio monitoring on live bank, bureau and tax signals, so borrower stress shows months before the missed payment.

WhatsApp Lending Assistant

A conversational assistant that takes applications, collects documents and answers status queries on the channel your customers actually use.

Underwriter Copilot

Ask the loan file questions in plain language, with every answer traced back to the source document.

Fraud Intelligence API

Statement tampering and cash-flow anomaly detection as a standalone API, to screen files from any channel, including ones Fincera did not originate.

From first click to a signed-off appraisal memo, one platform.

See it live: upload real documents, watch the fields fill in a second, run your own policy, and take a call from the voice agent. All in one afternoon.

Email the team instead

MinutesSanction turnaround, not days

600pgRead by local AI in under 60s

100%Audited, explainable decisions

On-premDocuments never leave your infrastructure

Pick a slot

The scheduler is loading. If it does not appear, use the request a demo button or write to dev@fincera.ai.