AI-Powered Lending Platform for SMBs

Industry: financial services

Client

A fintech startup revolutionizing the lending market in the US by offering an AI-driven, fully paperless lending platform built with best-of-breed technologies—powered and orchestrated by Calibo.

The challenges

Integration complexity: Ensuring seamless integration with diverse credit bureaus and internal loan systems while maintaining data integrity and security.
AI underwriting precision: Continuously refining AI algorithms to ensure accurate, fair, and reliable lending decisions across SMB and retail customers.
Regulatory compliance: Navigating and adhering to complex financial regulations across jurisdictions, ensuring compliance in a fully digital lending process.
User experience consistency: Delivering a consistent, seamless digital experience across both web and mobile platforms for diverse loan products and customer segments.

The objectives

The fintech startup set out to redefine digital lending in the US by eliminating paperwork, manual bottlenecks, and outdated customer experiences. They aimed to build a fully digital and scalable platform that would serve both SMB and retail borrowers—fast, secure, and intelligently automated.

Objectives

A unified platform to support diverse loan products

Real-time insights into marketing performance and conversion

Seamless digital experience across web and mobile

Automated underwriting with AI and rule-based decisioning

Integration with credit bureaus and internal loan systems

Solution

The solution, crafted by Calibo using their Data Fabric Studio, leveraged advanced data science and forecasting methodologies to significantly enhance prediction capabilities, ensuring high accuracy and reliability.

Key features implemented:

Lead capture & conversion optimization: Leads are automatically captured from web, ads, and branches, with real-time insight into channel performance to improve marketing ROI.

Configurable products & workflows: Rapid setup of loan products, automated workflows, checklists, and documentation tailored to business rules.

Web & mobile lending experience: A sleek and user-friendly interface enabling frictionless customer onboarding and application.

Paperless documentation: Complete digital document exchange between loan officers and borrowers, reducing delays.

Borrower communication hub: Borrowers receive real-time updates and reminders for pending actions, improving speed to close.

AI-powered underwriting: Financial spreading, automated decision-making based on customized rules, and GenAI-based credit risk evaluation.

Third-party Integrations: Secure integration with credit bureaus and loan management systems.
Analytics & dashboards: Actionable insights into funnel conversion, employee productivity, and goal progress through advanced reporting.

Explore Calibo Data Fabric

Business impact

Accelerated by50%

50% faster loan approvals driven by AI-enhanced underwriting and automation

+60%

60% increase in digital channel adoption with improved UX across mobile and web

-40%

40% reduction in manual effort by automating communication and processing flows

Marketing efficiency+ CR

Improved marketing efficiency through real-time conversion tracking and channel analysis

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Dashboards enabled

Conversion funnel analysis

Identify where borrowers drop off and optimize lead capture for higher approval rates.

Underwriting efficiency

Benchmark decisioning speed and AI accuracy to reduce processing time.

Loan lifecycle tracking

Monitor application progress, disbursement timelines, and customer engagement.

End-to-end lending transformation

Current status

The platform is live across multiple loan offerings and is scaling rapidly, helping the startup disrupt traditional lending models with a modern, AI-powered digital experience.

End-to-end lending transformation for SMBs and retail customers

Industry: financial services

The challenges

Integration complexity: Ensuring seamless integration with diverse credit bureaus and internal loan systems while maintaining data integrity and security.

AI underwriting precision: Continuously refining AI algorithms to ensure accurate, fair, and reliable lending decisions across SMB and retail customers.

Regulatory compliance: Navigating and adhering to complex financial regulations across jurisdictions, ensuring compliance in a fully digital lending process.

User experience consistency: Delivering a consistent, seamless digital experience across both web and mobile platforms for diverse loan products and customer segments.

The objectives

The fintech startup set out to redefine digital lending in the US by eliminating paperwork, manual bottlenecks, and outdated customer experiences. They aimed to build a fully digital and scalable platform that would serve both SMB and retail borrowers—fast, secure, and intelligently automated.

Objectives

A unified platform to support diverse loan products

Real-time insights into marketing performance and conversion

Seamless digital experience across web and mobile

Automated underwriting with AI and rule-based decisioning

Integration with credit bureaus and internal loan systems

Key features implemented:

Lead capture & conversion optimization: Leads are automatically captured from web, ads, and branches, with real-time insight into channel performance to improve marketing ROI.

Configurable products & workflows: Rapid setup of loan products, automated workflows, checklists, and documentation tailored to business rules.

Web & mobile lending experience: A sleek and user-friendly interface enabling frictionless customer onboarding and application.

Paperless documentation: Complete digital document exchange between loan officers and borrowers, reducing delays.

Borrower communication hub: Borrowers receive real-time updates and reminders for pending actions, improving speed to close.

AI-powered underwriting: Financial spreading, automated decision-making based on customized rules, and GenAI-based credit risk evaluation.

Third-party Integrations: Secure integration with credit bureaus and loan management systems.

Analytics & dashboards: Actionable insights into funnel conversion, employee productivity, and goal progress through advanced reporting.

Technologies used