Personal Loans at the
Speed of Logic.
From application to disbursal in minutes. We replaced manual checks with an intelligent Rule Engine that analyzes credit in real-time.
View The LogicLive Analysis
The Problem:
Black Box Banking.
Customers need money now, not next week. Traditional lending is bogged down by manual document review and opaque decision-making. This friction causes high drop-off rates and frustrates qualified borrowers.
Banks struggle to balance speed with risk, often choosing "slow and safe" over customer experience.
The Automation Engine
We built a linear, automated pipeline that removes human latency.
1. User Consent
User applies and consents to a soft credit pull.
2. Data Fetch
Real-time API call to Credit Bureaus for score & history.
3. Rule Engine
Algorithm checks income, debt-to-income ratio, and policy.
4. Instant Offer
Tailored loan amount and interest rate displayed instantly.
E-Sign & E-KYC
Complete regulatory compliance online without uploading physical papers.
Risk Configurator
Lenders can adjust the rule engine parameters (e.g., Min Score > 700) on the fly.
Rapid Disbursal
Once signed, funds are triggered via payment gateway API immediately.