Use Case Proposal: Streamlined Loan Origination and Funding In fintech companies with Scalata
As a fintech lender, your entire business model is built on speed and efficiency, yet your growth is often capped by surprisingly manual operational realities. Underwriters spend hours manually verifying income from PDF bank statements and pay stubs, while your capital-raising efforts are slowed by cumbersome, static data rooms that create a long and frustrating due diligence cycle for investors.
Step 1: Confronting the Operational Drag.
- This friction between your tech-forward brand and your manual back office is a major constraint. Every loan requires manual document review, creating a direct link between headcount and origination volume. On the funding side, every investor question requires a manual response, delaying capital deployment and straining relationships.
Step 2: Building the Foundation with an AI Data Core.
- Your migration starts by automating the initial data chaos. Scalata solves this foundational problem by ingesting all applicant documents and portfolio data. Our AI automatically extracts and verifies key information like income and assets, creating a clean, structured file for every loan and a unified, real-time view of your entire portfolio.
Step 3: Activating Intelligence through Conversational AI.
- With structured data, you accelerate both internal and external workflows. Scalata makes this new data core interactive. Internally, your underwriters can ask the AI to summarize an applicant’s financial health. Externally, you provide investors with an AI-powered data room where they can ask direct questions and get instant, verified answers about your portfolio.
Step 4: Reaching Full Automation with Proactive AI Agents.
- The final stage is to automate decisioning and communication. Scalata brings your operation to its future-state. Our platform can generate pre-qualification assessments based on your credit policy, draft borrower communications, and automatically create customized performance reports for your investors, complete with narrative insights.
The Strategic Outcome with Scalata: You migrate from a manually constrained lender to a highly scalable, AI-driven platform. This results in faster funding velocity, lower operational costs, and a superior experience that strengthens relationships with both borrowers and investors.
