Origination and onboarding

The problem

Automotive finance companies face prolonged evaluation times for corporate fleet credits, with manual document validation processes and risk analysis that can take weeks.

Main benefits

• Reduces fleet credit approval time from 2 weeks to 48 hours
• Automates verification of financial statements and credit historical records
• Automatically calculates payment capacity according to industry type and cash flows
• Integration with vehicle databases for automatic collateral valuation

Implementation

The platform digitizes and automates 90% of the application process, from initial data capture to contract signing. The system automatically assigns a risk level according to multiple variables and facilitates informed decision-making for credit committees.

Results

Clients experience a 75% reduction in processing time, 65% less documentation and a 40% increase in risk assessment accuracy.

The problem

Fintech companies that finance SMEs face high operational costs in document validation, difficulties in verifying commercial operations and determining adequate credit limits for each business.

Main benefits

• 100% digital onboarding for new SME clients
• Automatic validation of legal and tax documents
• Biometric verification of legal representatives
• Connection with tax APIs for real billing validation

Implementation

The platform implements a self-service portal where SMEs upload their documentation once. The system applies document validation algorithms and cross-references information with official sources to verify authenticity. Credit line approval is based on automated scoring.

Results

85% reduction in onboarding time (from weeks to hours), 60% increase in prospect conversion and 30% decrease in operational costs.

The problem

B2B financial institutions struggle with the complexity of simultaneously evaluating the financial health of buyers and suppliers to determine credit risk in supply chain financing.

Main benefits

• Simultaneous evaluation of buyer and supplier in B2B transactions
• Automated analysis of historical commercial relationships
• Complete supply chain risk scoring
• Decision engine adaptable to different industrial sectors

Implementation

The solution integrates ERP data from buyers and suppliers, payment histories between both parties, and external market data. The algorithm weighs the strength of the commercial relationship, company size and their respective credit histories to generate personalized offers.

Results

Institutions report 50% more approved supply chain financing, with a 40% reduction in delinquency and a 35% increase in approval speed.