Lending

Every lending decision, explained line by line.

Pre-qualification and affordability rules written in language your credit team reads, versioned, and traced down to the condition that failed.

Credit policy changes need an engineering sprint and a release

An adverse action notice means reverse-engineering an if-statement

No record of which version of the policy decided an old application

Loan Pre-Qualification

Determine if an applicant meets the minimum credit, income, and debt-to-income requirements.

A **applicant** qualifies for standard_loan
  if the __credit_score__ of the **applicant** is greater than or equal to 650
  and the __annual_income__ of the **applicant** is greater than 30000
  and the __debt_to_income_ratio__ of the **applicant** is less than 0.43
  and the __employment_status__ of the **applicant** is in ["employed", "self-employed"].

Run it yourself

Change the policy, change the input, evaluate. The same engine your application would call.

Policy

Input

{
  "applicant": {
    "credit_score": 720,
    "annual_income": 65000,
    "debt_to_income_ratio": 0.28,
    "employment_status": "employed"
  }
}

Try:

More lending policies

Age Verification

Compliance

Verify that a user meets the minimum age requirement and is in an allowed region.

KYC Screening

Compliance

Verify identity, sanctions, and document checks for Know Your Customer compliance.

Transaction Fraud Flag

Finance

Flag a transaction when the amount is unusually high and the location does not match the account.

We will implement your first policy with you.

Send us a rule you currently keep in application code and we will show you what it looks like as a versioned, traceable policy.

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