Solution
For commercial banks, SBA lenders, and credit operations teams: consistent, evidence-backed identity, entity, and eligibility checks on every borrower file.
The problem
Different analysts verify different things. The same borrower can pass one reviewer's checklist and fail another's — and no one can say which standard was applied.
A file marked verified rarely shows what was checked, against what, and where the proof lives. When an examiner asks, the answer is reconstruction.
A legal name that drifts between formation documents, a transposed registration number — cross-document conflicts hide because nobody compares every page against every other.
The product, not a promise
How it works
Ingest identity documents, entity formation papers, and eligibility evidence in any format.
Pull names, registration numbers, ownership details, and eligibility attributes into structured fields.
Cross-check identity and entity data for consistency across every document in the file.
Test core eligibility attributes against your lending policy criteria.
Deliver a verification record where every pass, fail, and exception carries its source evidence.
Who it's for
Credit analyst
Head of credit operations
Compliance officer
Before capacity or collateral matters, a lender has to answer three basic questions: is this borrower who they say they are, is the entity what the paperwork claims, and does the file meet the program’s eligibility rules. Answered manually, these checks are slow and inconsistent — different analysts check different things, and the evidence behind a “verified” stamp lives in someone’s memory. This solution makes verification a structured, repeatable step.
The agents read identity documents, entity formation records — articles of incorporation, operating agreements, EIN letters, certificates of good standing — and the supporting documents that carry eligibility attributes. Names, registration numbers, addresses, ownership details, and entity status are extracted into structured fields, then cross-checked across the file: the legal name on the application against the formation documents, the signer against the operating agreement’s authority provisions, the entity details against every place they appear. Mismatches that manual review misses — a transposed registration number, a legal name that drifted between documents — are flagged with both sources shown side by side.
Eligibility screening runs against your policy criteria, not a generic checklist. Each attribute is tested, and the result is recorded as pass, fail, or exception with the evidence attached. Exceptions go to a human reviewer; the system never waves a file through on its own.
KYC and eligibility decisions are the ones examiners test first, and the question they ask is what you checked, against what rule, and where the evidence is. Every verification step here produces a record: the extracted value, the document and page it came from, the rule it was tested against, and who approved the exception if there was one. That gives compliance a file that defends itself — consistent across the portfolio, repeatable on renewal, and ready for review without reconstruction.
Objections, answered
Every result shows the extracted value, the document and page it came from, and the rule it was tested against. Anything uncertain is flagged as an exception and routed to a named reviewer — a file never passes on the machine's authority alone.
Screening runs against your lending policy criteria, not a generic KYC checklist. Your rules are configured once, applied identically to every file, and each result names the criterion it was tested against.
Documents stay inside your governed environment with access controls and a full audit trail of who saw and approved what. Every verification step is logged as it happens, so examination response is a query, not a reconstruction.
IDs, formation documents, and EIN letters are formats the platform already reads. Most of the setup is encoding your eligibility criteria — configuration, not a development project.
Watch identity, entity, and eligibility checks run against a real package — every result linked to its evidence — live in the demo.
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