Underwriting decision engine

The decision engine turns your underwriting policy into a repeatable, auditable recommendation on every application: approve, decline, or refer for a human look.

Policy rules

Define rules that gate an application - minimum time in business, monthly revenue, NSF counts, industry exclusions, existing positions, and so on. Each rule records a pass or fail with the value it evaluated, so every decision is explainable.

Scorecard

Alongside the hard rules, a weighted scorecard produces an A / B / C category and a 0-100 score from the same underwriting data. The score model is yours to tune - we store and display the result, you own the weights.

The recommendation

The engine combines rules and scorecard into a single recommendation, with a suggested maximum offer. Underwriters can accept it or override with a reason; the override is captured in the deal's audit trail.

Where it runs

The decision result attaches to the deal under Underwriting → Decision and is re-evaluated when new stips or bank data arrive. Results are also available over the API.

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