Your approval process, drawn once and followed every time
Draw the steps every application goes through: what applicants fill in, which checks run, which rules decide and who reviews. CONSEN runs it the same way for every applicant, and your team changes it without code.
Why approval processes drift
Each person handles applications a little differently.
The workflow defines the order, the checks and the rules. Everyone follows the same path.
A check or a signature gets skipped under pressure.
Steps can't be skipped. An application only moves on when the step is complete.
Applications sit in an inbox waiting for someone.
A shared review queue, emails at the right moments and timers keep work moving.
Every change to the process waits for IT.
Business users edit forms, rules and steps in the browser and publish when ready.
Fourteen step types, combined your way
Drag steps onto the canvas and connect their outcomes. Each one does one job well.
Applicant
Recorded with time, IP address and version.
Explain what happens next.
Your questions, validated on the server.
Named uploads with accepted file types.
Typed name, time, IP and a SHA-256 fingerprint.
A fee through your own payment account.
Checks
Pass, refer or fail.
Score and outcome on the file.
Pass, refer or fail.
Logic and team
Branch on answers or check results.
Points into bands, each band a path.
To the applicant, reviewers, administrators or any address.
Pause for a set time or until someone acts.
Approve, decline or request changes.
Automatic reminders for unfinished applications: each organization decides whether, when and how often applicants who started but didn't finish are reminded.
Your criteria, applied the same way every time
Pick fields from your forms, the applicant's details or a check's result, and combine them with all/any conditions. Scoring adds points and sends each band down its own path, for example approve, review or decline.
Operators: equals, greater or less than, in, contains, is empty and more
Rules are data the engine reads, never code it runs
The same fields fill placeholders in your emails
{
"all": [
{ "field": "loan.amount", "op": ">", "value": 50000 },
{ "field": "applicant.country", "op": "in", "value": ["CA", "US"] }
]
}Change the process without breaking it
Checked before you publish
Every outcome must lead somewhere: conditions need an "else" path, checks need a "pass" path, payments a "paid" path.
Edits never break live applications
Each application keeps the version of the workflow it started with. Change the workflow any time.
Request changes, safely
A reviewer can send an applicant back to a form or upload step, never to a payment or a signature.
A safety net
If an application ever has no matching path, it goes to your administrators with the reason, instead of getting stuck.
People decide where judgement matters
Automate the clear cases and route the rest to a review step. Reviewers work from one queue and see the whole application before they act.
Approve, decline or request changes with a comment
Limit a review to administrators when it needs to be
Dashboard: approval rate and median time to decision
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 process as a workflow
Describe how applications move through your team today. We will show what it looks like as a workflow in a demo workspace.