Your credit policy, applied the same way on every file.
The Underwriting Engine puts credit, bank data, policy checks, and stipulations on one screen — and keeps the decision where it belongs: with your team.
The problem
You wrote a credit policy. In practice, the policy is whoever's underwriting that day. Run the test: pull twenty recently declined files and hand them to a second underwriter, blind. The disagreements you count are the size of your consistency gap — and every point of that gap is default-rate variance you're paying for.
Built for the way you actually operate.
One screen, whole file
Credit pulls, bank statement data, KYB and public-records checks, application details, and stipulation status — assembled where the decision happens instead of across eight tabs.
Screening against your rules
Configurable eligibility logic and screening flows check every file against the box you defined — automatically, before an underwriter spends a minute on a dead deal.
Scorecards and policy rules
Waterfalls, scorecards, approval and decline guidance built from your criteria — so the institutional knowledge lives in the system, not in whoever's been there longest.
Approvals, structured
Branded approvals with stipulations, gross margin and lien position on every approval, interview and verbal templates for KYC — and a full history of who decided what, when.
Deliberately not AI. The engine is rules and logic you configure — it surfaces and suggests, and your underwriters make every decision with a complete audit trail. That's the posture your regulators and capital partners expect, and we state it in public.
Related capabilities
Questions, answered.
It can screen and route against your eligibility rules — but lending decisions are made by your underwriters, on the record. We built it that way on purpose.