Underwrite with a copilot,
not a checklist
Loano puts AI beside every desk — reading documents, ranking queues and drafting briefs — so your team spends judgement where it matters. It assists; your authorised staff decide.
AI across the whole lifecycle
Digests bureau pulls, banking and KYC into a one-screen assessment brief — anomalies flagged, recommended terms drafted. Your underwriter decides, faster and with more context.
Every queue ranked by conversion and risk propensity, so round-robin pools always work the right leads first — not the newest ones.
Reads salary slips, bank statements and KYC documents; extracts the numbers, cross-checks them against the application and flags mismatches for review.
Orders the overdue book by likelihood-to-pay and suggests the next best channel and moment — auto-debit, payment link, call or field visit.
Ask your loan book plain-language questions — "disbursals this week vs last?", "which branch's overdue is growing?" — and get answers from your own data.
Video KYC sessions scored for liveness and face match against the applicant's documents, with location capture — reviewed and approved by your credit team.
How a copilot reads a file
By the time an underwriter opens a lead, the copilot has already been through it — the same file, read the way a careful analyst would read it, in seconds.
- Reads everything — bureau report, bank credits, salary slips, KYC artefacts and the application itself.
- Flags with evidence — every anomaly cites what triggered it, so review checks the source, not the vibe.
- Drafts, never decides — the brief and suggested terms arrive pre-written; acceptance is a human act on the record.
Assistance with guardrails, not autonomy with excuses
In regulated lending, "the model did it" is not an answer. Loano's AI is built to be explainable to the person who signs the decision.
Loano's AI assists your team. Credit and collection decisions always rest with your authorised staff.
Meet the AI where it works
In underwriting
The assessment brief and flags, beside the bureau pull and FOIR.
Credit & underwriting →In the pipeline
Scored queues that keep every desk on its best next file.
Lead management →In collections
Propensity ranking and channel suggestions across the overdue book.
Collections →On your files
Every copilot on one anonymised scenario, live in a demo.
Book a demo →See the copilots on a real file
One anonymised scenario, every copilot — brief, flags, ranking and the human decision at the end.
Book a demo