Loan and account applications, complete before they reach underwriting
Replace emailed PDFs and missing pay stubs with an online application that checks itself, applies your credit rules and puts every file in front of an underwriter in one place.
Where loan intake loses time today
Applications arrive by email, missing pages and pay stubs.
Required fields, format checks and document requests stop an application from being submitted incomplete.
Underwriters re-key figures from PDFs.
Answers arrive as structured data, next to the documents, on one review page.
Two underwriters, two different decisions.
Scoring and conditions apply your criteria the same way every time. Only the cases you choose go to a person.
Nobody can show who approved what, or when.
Every step, check result and decision is recorded with the person and the time.
Personal loans, credit cards and business accounts
Each product is an offering with its own form, documents, checks and rules. Here is the personal loan from our demo lender, exactly as it is configured.
Loan and card applications
Personal, business or auto loans and card applications, each with its own questions.
Business account opening
Business details, ownership, incorporation documents and owner ID in one flow.
Credit rules and scoring
Points and bands route each file to auto-approve, review or decline.
ID, credit and AML checks
Run through your own provider accounts, with the outcome kept on the file.
Agreements signed online
Simple e-signature built in, or your own e-signature provider.
A complete history
Each step, check and decision, with who acted and when.
Personal loan
Accepted with time, IP address and version.
A recent pay stub is required.
Fail ends the application. Refer sends it to underwriting.
Your own provider · test mode until connectedIncome, amount and credit score add points. Strong files go straight to signing, borderline ones to underwriting, weak ones are declined.
Approve, decline or request changes.
Underwriting with the whole file on one page
Underwriters see the consent record, the answers, the documents, check outcomes and the history together, then approve, decline or send the application back with a comment.
A shared queue filtered by product and status
Claim an application or have an administrator assign it
Request changes returns the applicant to the exact form or upload
Applicants fix what's missing from their phone
When an underwriter asks for something, the applicant sees the comment and goes straight back to that step. Everything else stays as they left it.
Progress through every step is visible
Save and finish later
Upload pay stubs or statements from a phone
Consent, documents, simple e-signature, rules, reviews and emails work out of the box. ID verification, credit, background and AML checks, advanced e-signature and payments run through your own provider accounts, connected with our team during onboarding; until then those steps run in test mode with simulated results.
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.
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 dataHow 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 productDoes 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 APIWhat 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 plansSee your loan process running on CONSEN
Bring one product, for example a personal loan. We will show it working in a demo workspace and talk through your rules and checks.