End-to-end workflow engine
Application intake through post-approval monitoring. Every state transition audited with immutable hash chain.
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Three pillars, one operating system. We guide every borrower through any credit application, in any business and any domain, so applications arrive ready. We appraise the credit and score every applicant on your model. We run your quality gates so weak loans never reach committee. BOT, BRELA, and CRB aligned, with intelligent brain layers that amplify everything your institution already does.
Cash flow covers 0.92x debt service. Below your 1.25x policy floor.
Borrower uploaded 4 of 6 months. Auto-requested the gap.
Not opinions. Not slogans. The specific levers LitFin pulls inside your credit operation.
Flags policy breaches, missing docs, and score gaps before an officer opens the file.
Pre-scored, pre-validated applications move through approval in a single workflow.
AI handles screening and document chase so officers focus on real decisions.
Your branded stepper captures the application. LitFin parses every document, checks every field, and scores readiness against your own policy.
Two to four AI flags, written in your officer's voice, wait on the card. Policy breaches at the top. Missing docs auto-requested.
Approve, escalate, or decline with a rationale pre-drafted. The decision writes back to your core banking system through the LitFin connector.
“Our officers used to open a file and hunt. Now the file opens itself. Two flags, one rationale, done.”
Illustrative quote. Representative of pilot feedback; not a disclosed customer statement.
One conversation. No forms. We read your policy, we pre-configure, we show you the queue running on your data.
What you get, named
Workflow engine, document AI, 5Cs framework, product builder, portfolio intelligence, Company Brain. All of it, today.
Application intake through post-approval monitoring. Every state transition audited with immutable hash chain.
Trade licence, financials, collateral valuations, KYC, CRB pulls, MPESA statements, email parsing. Auto-validation, expiry policies, gap requests sent back to borrower.
Character, Capacity, Capital, Collateral, Conditions. Per-product weights, live scoring, contradiction detection across sources.
Define amount range, tenor, rate, fees, eligibility, document checklist, custom fields. No code. Preview borrower form live.
Real-time default rate, officer utilisation, branch heatmap, stress test scenarios. Writes back to your CBS, not around it.
Per-tenant knowledge layer: policy documents, products, branches, officer training material, ingested and queryable. Mr. Mwikila answers as your institution, citing your own documents alongside every application, officer, and loan.
High-risk writes (limit changes, reversals, sovereign actions) require a second authorized officer to approve. Concurrent-safe compare-and-set approval store. Every approval written to an immutable hash-chain ledger.