Lending automation
Loan origination: from application to disbursement
The Fintral loan origination pipeline moves an application step by step, from the customer form to the money being credited and the loan appearing in the books. Automatic steps run on their own; an employee steps in only where a human decision is needed.
Application stages
- Application: submitted in internet banking, the mobile app, a branch or through a partner
- Identification and checks: KYC, sanctions lists, politically exposed persons
- Credit history and scoring: a request to the KATM credit bureau and assessment by product rules
- Decision: automatic or with a credit officer
- Offer and contract: the customer sees the terms and signs the documents
- Disbursement: money is credited, the repayment schedule and accounting entries are created
Configured, not programmed
The set and order of steps is defined for each product. You can add a check, a customer notification or a manual approval without going to developers. Decision rules are written as conditions: when to approve, when to decline, when to pass the application to an employee.
What the employee sees
Every application has a clear status: which step is done, what came back from external services, what we are waiting for. Applications that need attention go to a queue. The result of every step and every decision is kept in the audit log.
After disbursement
The loan stays in the same platform: interest accrual, repayments, overdue debt, closing. Portfolio data reaches the general ledger and regulatory reporting without exports.
See Fintral on your own scenario
A 45-minute demo: a product from setup to disbursement and reporting.
Request a demo