Compliance annotation
Credit memos cite source documents. Customer data never leaves your VPC. Fit for credit committee and audit review.
Security & architecture briefBanking
AI-powered loan origination and credit assessment
Automate document collection, financial spreading, and credit memo generation, reducing origination from weeks to days.
The challenge
Business loan origination typically takes 2–4 weeks: document collection, financial spreading from tax returns and bank statements, credit memo drafting, manual review. Customers churn; pipeline is lost; relationship managers spend their time chasing paper instead of selling.
How Lunnoa runs it
- 1
Ingest
Pull the documents, events, or system records that start this process.
- 2
Analyse
AI agents collect documents via a borrower portal, auto-extract financial data from tax returns, management accounts, and bank statements, generate structured credit memos using your template and risk policy, and route them to credit analysts for review, with full citations back to source documents.
- 3
Decide or escalate
Clear cases continue under policy; exceptions go to a person with a structured pack.
- 4
Write back and prove
Update systems of record and keep an attributable trail for review.
Systems touched
- core banking
- document portal
- CRM
- credit policy store
In the product
Step-by-step agent behaviour
Pull the documents, events, or system records that start this process.
Outcomes
- Origination cycle cut from weeks to days
- 60% more applications processed per analyst
- Higher conversion: customers don't drop out of long intake flows
- Every decision fully auditable with source citations
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Für Teams, die Infrastruktur bereits ernst nehmen.
- CTOs und Platform-Teams, die die Passung zur eigenen Referenzarchitektur prüfen
- Security und Compliance mit Fokus auf Datenresidenz und Zugriffskontrolle
- Operations-Teams, die nachvollziehbare Läufe brauchen, keine Black-Box-Automatisierung
- Builder, die unbegrenzte Nutzung unter einer Pauschallizenz wollen