From application to credit decision,
without the months of back and forth.
One tracked file for every commercial and SME application, shared by the client, the relationship manager and risk. Runs alongside your core banking and loan systems, with credit decisions kept with your people.
The analysis takes days. The waiting takes months.
Anubavam helps commercial and SME banks shorten the time from application to credit decision. Each application becomes one tracked file shared by the client, relationship manager and risk, with documents checked, questions answered in one place and every step owned. It runs alongside your core and loan systems, and your people make the credit decisions.
- Documents arrive in pieces.Financial statements, licences and collateral papers come by email over weeks, and nobody can say what is still missing.
- Questions bounce on a spreadsheet.Risk asks, the relationship manager forwards, the client replies, and the same file goes round again.
- Nobody sees where the file is.The client asks the relationship manager, who asks risk, who checks their inbox.
- Relationship managers start the day blind.Renewals due, covenants at risk and overdue instalments sit in different reports.
Four places banks often start
Commercial and SME lending, application to decision
The problem today: Documents by email, risk queries on a spreadsheet
What changes: One file per application; client portal for documents; questions and answers tracked on the file; owner and time at every step
What you can measure: Days from complete application to decision; days waiting on the client; rounds of queries
Corporate and SME account opening
The problem today: Document packs chased by email
What changes: Portal for documents, checks run, gaps returned, results passed to your screening provider
What you can measure: Days to open, applications waiting on documents
Relationship manager daily brief
The problem today: Information spread across reports
What changes: A short daily list for each relationship manager: renewals due, documents missing, overdue instalments, sector news for their clients
What you can measure: Actions taken on brief items (Early Adopter)
Collections and early warning
The problem today: Overdue accounts found late
What changes: Overdue and at-risk accounts ranked each morning, follow-ups drafted, each case owned
What you can measure: Accounts contacted early, cases resolved
Start with one. We map how it runs today and where the time goes, before anything is built.
Example: a midcap working capital application
Illustrative
Illustrative. A manufacturing company applies for a working capital facility. The relationship manager opens one file and sends the client a portal link with the document list for that facility type. Statements and licences are read and checked as they arrive; the missing collateral valuation is requested automatically. Financial figures are placed into your credit template for the analyst to review. When risk has a question, it goes to the file, not to a spreadsheet: the relationship manager and client see it, answer it there, and the answer stays with the file. The credit committee receives a complete pack. The committee decides. Every document, question, answer and decision is recorded.
No core banking project to start
- Core banking and loan systems stay the record.Anubavam does not book loans, hold funds or change your core.
- Start without core integration.The first process can run on documents, the client portal and controlled exports. Read access and two-way connections come later, where needed and approved. See Integration.
- Your credit template, your rules.Document lists, routing, authority levels and committee thresholds are settings.
- Screening stays with your provider.We pass details on and record the result.
Faster, and still accountable
People make credit decisions. Analysts, approvers and committees decide. Anubavam prepares, checks and records.
- Authority levels enforced. Applications above an approver’s limit go to the next level or to committee.
- Separation of duties. The relationship manager who prepares a file cannot approve it.
- A record of every step. Who did what, when, on which documents and under which rule version. Ready for internal audit and your regulator.
- Data in your region where available, on AWS or Oracle Cloud, in an environment dedicated to you. Generative AI processed in-region where available, and your data not used to train models offered to others.
- Certified security. ISO/IEC 27001:2022 and ISO/IEC 27701:2019, certified by DNV. See Trust.
AI agents can help: reading statements into your template, flagging missing documents, preparing the relationship manager’s brief or a first summary for the analyst. They work at the level you set (alert, recommend or act) and never make the credit decision. Early Adopter. See AI and Agents.
Start with one lending process, measured on your own files
In a lending process assessment, we take one product, such as SME working capital, and trace a sample of recent files from application to decision. You see where the days went: waiting on the client, waiting on queries, waiting in queues. Then we run a first version on your rules and measure it against those same files.
The same platform already runs application-to-decision processes, document checks and integrations for universities through Creatrix Campus, our higher education edition.
Questions from banks.
No. They stay the record. The first process can start without core integration, using documents, a client portal and controlled exports.
No. Analysts, approvers and credit committees decide. AI reads and checks documents, places figures into your template and prepares summaries, at the level you set.
By removing waiting rather than rushing analysis: documents collected and checked once, questions answered on the file instead of a spreadsheet, and every step owned and timed so delays are visible. We measure the change on your own files rather than promise a figure.
Yes. Your template, document lists, authority levels and committee thresholds are configured as settings.
On AWS or Oracle Cloud, in your region where available, in an environment dedicated to you.
Yes, and we recommend it. Start with one product, such as SME working capital, then extend.
Branch service requests can run the same way, as tracked requests with owners and targets. Most banks start with lending.