Microloans assessed in minutes, not weeks
Small Business Loans automates microloan processing through specialized subagents that extract data, assess risk, and set rates, always with final human oversight before the decision.
Assessing a microloan manually isn't profitable at that volume
A microloan's small ticket doesn't justify the time of traditional manual analysis, yet every application still requires extracting data, assessing risk, and setting an appropriate rate.
Slow manual assessment
Analyzing every microloan application by hand doesn't scale with the volume of applications received.
Inconsistent risk criteria
Different analysts can assess the same risk profile differently, with no unified criteria.
High operating cost for a small ticket
The cost of manually analyzing each application can exceed the margin a microloan generates.
Specialized subagents, with the final decision left to humans
It automates every stage of microloan assessment with subagents specialized in data extraction, risk analysis, and rate setting, always leaving the final decision in human hands.
Automatic data extraction
One subagent collects and structures the information needed from each loan application.
Consistent risk assessment
Another subagent applies uniform risk criteria to every applicant, with no variation between cases.
Automatic rate setting
Calculates the appropriate rate based on the assessed risk profile, consistently and fast.
Final human oversight
Every approval decision goes through a person's validation before being confirmed.
From application to approved loan, with human validation
Each subagent specializes in one stage of the process, coordinated to reach a proposal ready for review.
Connects with what you already use, frictionlessly
It connects to your financial data sources and to your risk management system.
Applications and financial data
Receives the microloan application and the financial data needed to assess it.
Small Business Loans
The subagents extract data, assess risk, and calculate the corresponding rate.
Risk and finance team
Presents the proposal for final human validation before confirming the credit decision.
Human oversight available at every critical step: the solution proposes, your team decides when it's needed.
Where volume demands automation with control
Microloan providers and fintechs
Assess a high volume of small-ticket applications without losing rigor in risk analysis.
Banking focused on small businesses
Cuts response time on small-volume financing applications.
Financing programs with uniform criteria
Ensure every applicant is assessed with the same risk criteria, with no human variability.
A fintech losing applicants to slow response times
A real example of the kind of situation this solution solves.
Manually assessing each microloan application took several days, and many applicants who urgently needed liquidity went with another provider that answered faster, even on less favorable terms.
The manual process of data extraction, risk analysis, and rate setting depended on the risk team's availability, creating a queue of pending applications that grew especially in periods of higher demand.
Small Business Loans cuts assessment time to minutes with specialized subagents, leaving the final decision to the risk team with all the information already prepared.
As soon as the application arrives, the subagents extract the data, assess the risk, and calculate the corresponding rate. The human team receives a complete proposal and only needs to validate it, drastically cutting response time for the applicant.
Assess microloans in minutes, with human control
We'll show you how Small Business Loans automates credit assessment with specialized subagents.