Automated approve/decline decisions based on your exact credit policy. 70% of clean deals auto-approved so underwriters can focus on exceptions, edge cases, and complex structures.
Build rules once, apply consistently forever
Drag-and-drop interface to build approval logic. "IF LTV ≤70% AND credit score ≥650 AND experience >3 years THEN auto-approve."
Create multiple tiers—Tier A (auto-approve), Tier B (conditional), Tier C (decline). Each tier has different rate pricing and terms.
Different rules for first-time flippers vs. experienced investors. Looser criteria for repeat borrowers with strong payment history.
Set different LTV limits by property type—single-family vs. multi-unit, urban vs. rural, property condition, and neighborhood.
When a deal doesn't meet auto-approve criteria, route it to an underwriter with flagged issues. Underwriters can override with reason codes.
Pre-built condition templates for common scenarios—"If DSCR below 1.25 require additional 3 months reserves" or "If first flip require contractor experience letter."
Test new rules against historical loans before deploying. See how many past deals would have been approved under new criteria.
Every decision logged with exact rules that triggered. Full compliance trail for regulators and investors showing why a loan was approved or declined.
From application to approval in seconds
AI runs all rules against application data—checks LTV, credit score, experience, property type, liquidity, and DSCR where relevant.
Meets all criteria: "Approved for $250K at 9.5% rate, 70% LTV, 12-month term. Send commitment letter."
Close but needs conditions: "Conditional approval pending additional 2 months reserves + personal guarantee."
Fails hard stops: "Declined – LTV 78% exceeds max 75%. Does not meet lending criteria."
Speed, consistency, and scale for private lenders
Clean deals approved in seconds, not days. Borrowers get instant commitment letters. Beat competitors still doing manual underwriting that takes 3–5 days.
Every decision follows your exact credit policy, every time. No more "John approves at 72% LTV but policy says 70%." Rules are enforced automatically.
Go from 50 loans/month to 200 without hiring more underwriters. AI handles routine approvals; humans handle exceptions, DSCR edge cases, and complex capital stacks.
Investors get instant feedback—approved with rate, declined with reason, or conditional with specific requirements. No more "we'll get back to you in 3 days."
Real-world style scenarios from private lenders
What credit and risk teams ask us most often
A decision engine turns your credit memo and guidelines into executable rules. For each fix & flip, bridge, or DSCR application it automatically checks LTV, LTC, DSCR, experience, liquidity, and property criteria and then produces a clear outcome: approve, conditional, or decline — with the exact rules that fired.
Routine, clean deals are auto-approved based on your policy so your team doesn’t waste time re-checking obvious loans. Files that hit exceptions or edge cases are routed to underwriters with a full rule breakdown, so they can apply judgement, override with reason codes, and document every decision for investors and regulators.
Yes. Credit and risk teams manage everything in a no-code rule builder. You can adjust thresholds, add new hard stops, spin up new programs, and test changes against historical loans before going live. No tickets to IT, no waiting on releases—your policy stays in sync with the market.
Watch us build your credit policy in the visual rule builder