Modern lending decisions: 109% profit growth with AI.
A credit assessment platform for credit unions and lenders replaced manual, form-based evaluation with real-time AI decisions that reduce defaults.
Manual processes held back lenders and borrowers.
The client builds an AI credit assessment platform that warns lenders early about likely delinquency, forecasts affordability and shows each borrower's full financial picture. Legacy processes stood in the way.
- Qualified borrowers rejected. Rigid, form-based evaluation turned away creditworthy applicants who did not fit standard criteria.
- Manual data handling. Manual transaction analysis created bottlenecks and slowed decisions.
- Narrow data. Legacy systems missed financial context outside credit bureau data.
From first deployment to full production.
- 01
Initial launch
Sails Software guided the first live deployment, including testing, integration and performance validation.
- 02
Application and console
We built the borrower application journey and the lender Console for real-time risk management, delinquency alerts and portfolio decisions.
- 03
ISO certification
We designed the security architecture and compliance controls behind the ISO certification: data integrity, access control and audit trails.
Transaction categorization that lenders can use.
Real-time classification
Raw transactions sorted into income, fixed commitments, discretionary spend and risk signals.
Affordability forecasting
Future affordability predicted from spending, income and existing obligations.
Early delinquency warning
Active credit products monitored for early signs of delinquency.
Growth, recognition and trust.
109% profit growth
More creditworthy borrowers approved and fewer default losses as legacy processes were replaced.
FinTech for Good award
Recognition for borrower inclusion and responsible lending.
ISO certification
Enterprise-grade trust that opened doors to regulated clients.
New collections model
Collections shifted from outbound chasing to borrowers engaging early.
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availability, 20–40% lower costs
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Make better lending decisions, faster.
Tell us where credit decisions slow down. We'll show where AI fits, with the controls regulators expect.