Home AI Solutions Digital Lending
Digital Lending
Digital Lending is the blueprint for lending to businesses, from the first application to the last repayment, with a credit decision a risk officer can explain.
Overview
Business lending runs on documents: financial statements, bank statements, tax filings and contracts. AI reads them, pulls the figures and flags what is missing or inconsistent.
The decision stays explainable. Rules and scorecards your risk team owns make or recommend the call, a person signs off above a limit, and every decision is stored with the inputs it used.
Who it is for
- NBFCs and lenders launching working-capital, invoice or term-loan products.
- Banks digitising SME and mid-market lending.
- Platforms embedding credit for their business customers.
What you get
- Application and onboarding flows with KYB, KYC and consent.
- Bank-statement and financial-statement analysis with AI extraction.
- Credit bureau and data-partner integrations.
- A decision engine for rules and scorecards your risk team can change.
- Loan management: disbursal, schedules, interest, fees and statements.
- Collections workflows, reminders and early-warning signals.
How it runs
- Map the product, the policy and the regulatory requirements.
- Build onboarding and document analysis for one product.
- Configure the decision engine with your credit policy.
- Add loan management and collections.
- Run in parallel with the current process, then go live.
In practice
- Invoice financing where AI reads invoices and a risk officer approves each limit.
- A working-capital line with bank-statement analysis and monthly limit reviews.
- A collections queue that ranks overdue accounts and drafts reminders for approval.
Technology
- Workflow and decision engines with versioned policies.
- Document AI for statements, filings and invoices.
- Credit bureau, account-aggregator and e-sign integrations.
How we charge
A fixed-fee discovery, then fixed-scope releases per lending product.
Questions
Will AI decide who gets a loan?
No. AI prepares the file and flags risks. Your policy and your people make the decision, and both are logged.
Can we change the credit policy ourselves?
Yes. Policies are versioned and editable by your risk team, with every change recorded.
Talk to the team
Two-week, fixed-fee discovery. Production release by week 12.
Related
More from ai solutions.
AP and AR Automation
Accounts payable and receivable automation from Incubics: invoice capture, PO matching, approvals, payment runs, collections and accounting sync.
Reconciliation and Ledger
Reconciliation and ledger blueprint from Incubics: double-entry ledgers and automated matching across bank statements, payment gateways and accounting books.
Fraud and Risk
Fraud and risk blueprint from Incubics: transaction monitoring, anomaly detection, risk scoring and case management with investigators in the loop.
Let’s talk about what you want to ship.
Start with a two-week, fixed-fee discovery. You get a ranked portfolio, an architecture, a cost model and a fixed-price build plan.