Loan origination system for an SME lender
An end-to-end loan origination platform with online applications, automated scoring, document collection and underwriting workflows.
- Client
- Non-bank SME lender
- Industry
- Fintech
- Country
- United States
- Team
- 8 specialists
- Duration
- 10 months
Example engagement — client details are anonymized. References available on request under NDA.
Project overview
The lender’s applications were collected through web forms and processed in spreadsheets. A discovery phase defined the target process, followed by development of a full origination system.
About the client
A non-bank lender providing working-capital loans to small and medium-sized businesses.
Business challenge
Decisions took days, underwriters re-keyed data from bank statements, and growth was limited by manual capacity.
Technical challenges
- Integrating open-banking and credit-bureau data
- Configurable scoring rules
- Full auditability of every decision
Solution delivered
After a four-week discovery, we built an application portal, a rules-based scoring engine fed by open-banking and bureau data, and an underwriter workspace with document management and audit logs.
Key features
Online application
Guided application with document upload and e-signature.
Open-banking data
Automatic retrieval and categorization of bank transactions.
Scoring engine
Configurable rules and decision explanations.
Underwriter workspace
Tasks, notes, documents and approvals in one place.
Audit trail
Every decision and data change recorded.
Results and value delivered
- Faster credit decisions
- Automated data collection
- Consistent, explainable decisions
- Capacity to grow without proportional hiring
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matteo.costa@fortunearcx.com