The platform
One stack that turns borrower documents into signed credit decisions.
Capture reads the documents. AI Credit Officer completes the file. AI Underwriter drafts the memo. Your officer signs.
1.4s
avg per document
99.2%
field accuracy
30+
local formats
15
model providers
01 / CAPTURE
Reads any borrower document, on day one.
Vision-language models that handle screenshots, photos, PDFs, and local-format documents from anywhere your borrowers transact.
Format-agnostic
Bank statements, mobile money, IDs, payslips, tax filings, AFS — all of it.
Cited extraction
Every field comes back with a source line and a confidence score.
Tampering signals
Per-row fraud checks: pixel edits, metadata, totals reconciled.
Clean JSON
Structured output your systems can ingest without translation.
02 / AI CREDIT OFFICER
Completes the file by talking to the borrower.
A polite, multilingual agent that follows up on missing pages until the file is decision-ready.
WhatsApp · SMS · email
Meets borrowers where they already chat with their lender.
Multilingual
English, Spanish, Tagalog, Bahasa, isiZulu — and more on request.
File-completeness scoring
Knows what's missing and asks for exactly that.
Officer override
Your team can step in at any point in the conversation.
03 / AI UNDERWRITER
Drafts a cited credit memo.
A structured recommendation with every claim cited back to a source line. Your officer approves, declines, or overrides.
Policy-aware
Encodes your credit policy. Flags any rule it can't satisfy.
Cited memo
Every line traceable to a source document, by line number.
Confidence + fraud
Surfaces uncertainty rather than hiding it.
Officer decides
We never approve. Always always always.
From upload to signed memo
Five steps. The first four are software. The last one is yours.
STEP 01
Borrower applies
Via your channel — web, agent, branch.
STEP 02
Documents in
Capture reads them, structures them, scores them.
STEP 03
Fraud checked
Per-row tampering and cross-doc reconciliation.
STEP 04
Memo drafted
AI Underwriter writes the recommendation.
STEP 05
Officer decides
Always.