CONSEN

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For lenders, brokers, insurers, clinics, property managers and other SMEs

Online applications, from first form to final decision

Stop chasing applications by email. Applicants apply, upload documents and sign on your own branded workspace, your rules sort every application, and your team decides in one place, with a full history. No code.

CONSEN staff dashboard showing submissions, applications waiting for review, approval rate, median time to decision and status by offering

How it works

From paper and email to a live application in four steps

Your team builds and changes everything in the browser. We help you set up the first one.

1

Design your form and application

Build forms with required fields, format checks and file rules, then combine them with document requests into an application. Applicants send complete information the first time.

Field types, required fields and format checks

Document requests with accepted file types

Applicants can save and finish later

An applicant on a phone: progress through the application steps and a 'Changes requested' note asking for a recent pay stub upload
2

Draw the approval workflow

Drag steps onto a canvas: consent, forms, documents, checks, conditions, scoring, emails, waits, reviews, e-signature and payment. Before you publish, CONSEN checks that every outcome leads somewhere.

Branch on answers and check results

Scoring routes applications to the right outcome

Changes never alter applications already in progress

CONSEN visual workflow designer: a credit card application with consent, form, identity check, credit check, review, e-signature and approve or decline outcomes
3

Publish on your branded workspace

Each workflow becomes an offering on yourname.consen.co, with your name, logo and colour. Applicants apply from any device, with an account or with just a confirmed email address.

Your branding on pages and emails

Apply without an account, confirmed by email

Applicants see their progress and status

A branded CONSEN workspace for a demo lender, listing the offerings applicants can apply for
A branded CONSEN workspace on a phone, listing the offerings applicants can apply for
4

Review, decide and keep an audit trail

Reviewers see answers, documents and check results in one place, then approve, decline or request changes. The applicant fixes only what was asked, and every action is recorded.

A shared queue with assignment and filters

Request changes sends the applicant back to a form or upload

Dashboard with approval rate and time to decision

CONSEN review page showing an application's consent record, answers, uploaded documents and history, with approve, decline and request changes actions

Try it as an applicant

Explore a live demo workspace

These are demonstration workspaces for fictional organizations. Browse the offerings and apply as an applicant with made-up details (you need an email address to create an applicant account). Identity checks, signatures and payments are simulated. Staff and designer views are shown in a guided demo.

Why CONSEN

Less chasing, more deciding

Built for small and mid-sized teams that review applications every day and want to stop doing it by email.

CONSEN submission queue listing applications with their offering, status, current step and assignee
Fewer emails and PDFs

Applicants apply and upload documents in one place, instead of email threads and attachments.

Complete on the first try

Required fields, format checks and file rules catch gaps before an application is submitted.

Consistent decisions

Rules and scoring apply the same criteria to every application and route the rest to a reviewer.

Everything in one place

Answers, documents, check results, decisions and the full history sit on each application.

Your brand, not ours

Applicants see your name, logo and colour on pages and emails. CONSEN is only a small “Powered by”.

Change it yourself

Edit forms, rules and workflows without code or a developer.

Mobile-friendly for applicants

Applicants can apply, upload documents and follow their status from a phone.

Built in + your own provider accounts

What works out of the box, and what you connect

Everyday steps are built in. Specialist checks and payments run through provider accounts you own, connected with our help.

Works out of the box

Built into CONSEN. No third party, nothing extra to sign.

Consent and terms

Acceptance is recorded with the time, IP address and the version of the terms.

Document collection

Required uploads with file-type rules, reviewed by your staff.

Simple e-signature

Typed name, time, IP and a SHA-256 fingerprint of the agreement and the answers.

Rules, conditions and scoring

Branch on answers and score applications into outcomes.

Reviews

Approve, decline or request changes, with comments the applicant sees.

Emails

Notifications to applicants and staff, sent with your workspace branding.

Branded workspace

Your logo, colour and offerings at yourname.consen.co.

Apply without an account

Applicants confirm their email, then apply. You choose how long applications are kept.

Connect your providers

Steps that need a specialist provider run through your own provider accounts.

Automated ID verification
Credit and background checks
AML and sanctions screening
Advanced e-signature
Payments

You contract with the provider and complete its own business verification (KYB). The relationship stays yours.

Our team sets up the connection with you during onboarding.

Payments go through your own payment account. CONSEN never handles card data.

CONSEN passes a provider only the data its step needs, and stores the result on the application.

Until a provider is connected, its steps run in test mode with simulated results, so you can design and try the whole flow first.

Security

Controls in place today

Built on SOC 2 controls (independent audit planned), with GDPR tools built in and HIPAA-ready features. Everything here is in place today, and we are glad to support your security review.

Tenant isolation

Each organization's data is kept separate. Even user accounts are per workspace: the same email at two workspaces is two separate accounts.

Encryption

Encrypted in transit (TLS) and at rest on Amazon Web Services.

Role-based access

Separate roles for administrators, designers, reviewers and applicants. Invite-only staff, two-step verification and automatic sign-out.

Audit history

Every step and decision is recorded with who acted and when, and every time staff open an application is logged.

Minimal data to providers

Every provider connection we build sends only the answers a step needs and keeps the outcome, never raw reports or card numbers.

You stay in control

You own your data and your provider relationships. CONSEN acts as a processor, handling applications on your behalf.

Before you book

The questions we hear first

Is our applicants' data safe?

Each workspace is isolated, data is encrypted in transit and at rest, staff access is role-based and invite-only, and every action is in the history.

How we protect data
How much work is it to set up?

We set up your workspace and build the first application with you during onboarding. After that your team changes forms and rules itself, without code.

See the product
Does it work with our providers and systems?

Built-in steps need no third party. ID, credit and AML checks and payments connect to your own provider accounts. Sending data to your own systems is scoped with you.

Integrations and API
What does it cost?

There are three plans. We send a quote after a short call about your process and volume, so you pay for what you need.

Compare plans

See your application process running on CONSEN

Tell us what you collect, check and decide today. We will show it working in a demo workspace and set up yours with you.