A US lender now processes 90% of loan applications automatically.
The CashFlo AI Platform analyses bank statements and financial documents, and an agent rating system makes real-time underwriting decisions with fraud detection.
SectorLending
WorkflowLoan underwriting
Per applicationUnder 1 minute
90%of applications processed automatically
Headline resultLoan underwriting
each one in under a minute
90%of applications processed automatically
<1 minper application
74%reduction in manual effort
30%lower default rates
01 · CHALLENGE
Hours of manual underwriting on every application.
The lender processes thousands of loan applications, each needing extensive manual underwriting: bank statement review, cash flow assessment and credit scoring.
Manual processing took 4 to 5 hours per application. Poor analysis of High Credit Demand lending led to high default rates and inconsistent decisions.
4 to 5 hours per application
02 · APPROACH
Cash flow analysis and credit scoring, automated.
The CashFlo AI Platform uses AI-powered data extraction to analyse bank statements and financial documents for cash flow insights. An intelligent agent rating system, trained on extensive datasets, provides credit scoring for real-time underwriting decisions with fraud detection.
EXTRACTIONBank statements analysedCash flow insights from financial documents.
SCORINGAgent credit ratingTrained on extensive datasets.
DECISIONSReal timeUnderwriting with fraud detection.
03 · OUTCOME
Faster decisions, fewer defaults.
A 74% reduction in manual effort let staff move to strategic tasks. Default rates fell 30% with improved risk assessment, and 90% of applications are processed automatically in under a minute, improving the customer experience.
From hours to under a minute.
Time per application
BEFORE4 to 5 hrs
Manual underwriting per application
AFTER<1 min
For 90% of applications, processed automatically
Ready to move from pilot to production?
Pick one high-value use case. We run a proof of value with no disruption, measurable results and a clear path to scale, in under two months.