Easy decision automation for SME lending
A facility decided from a bank feed and a term loan waiting weeks for accounts and a committee can sit in different places. Decisimo gives your credit team one place to write and run both policies.
A cash-flow facility decided from the bank feed and ledger
The bank feed, sales ledger and debtor register are called together in one data source step. Turnover integrity tests write a reason for each result. Round tripping is found in statement lines where money comes in and goes back out within a few working days. See how round tripping is detected.
The facility limit as rows the credit team edits
The behaviour score, largest debtor share and repayment cover set the decision and advance rate. Every row writes a reason. A file that fits no row goes to a person, and a changed threshold creates a new release. Every threshold, rate and company in the screenshots belongs to a demo case. See how factoring approvals can be automated with control.
A term loan to a group as a case that follows its evidence
Tasks run when their evidence arrives. If a document is corrected, every task that read it runs again, and a review that depended on it comes back as a new task. A review goes to the queue of a role, and the case can run the same rule sets and scorecards as the cash-flow decision flow. Explore case work.
The record each SME decision leaves
Every value in a case records which task or person wrote it. The trail keeps the versions each run read, and each decision's input and output can be written to the lender's own Postgres database. Governance explains the evidence Decisimo produces and why the compliance assessment stays with the lender.
Questions we get asked
What is SME lending decisioning?
SME lending decisioning is software that runs a lender's credit policy on information about a small or medium-sized business. Decisimo holds the decision flow for a cash-flow facility and the case work for a longer file, with shared rule sets and scorecards.
How are round tripping and inflated turnover caught in a bank statement?
A rule set reads statement lines at decision time and finds money that comes in and goes back out within a few working days, matched to a tolerance. Turnover integrity also tests sales received against invoiced sales and writes a reason for each test.
What happens when corrected accounts arrive during a file?
When a document is corrected, every task that read it runs again. A review that depended on it comes back as a new task, with the case keeping the versions each run read.
What happens when a bank feed or data provider is down?
The source values come back absent with an error flag, and the rules decide what follows for a missing value. A source is retried only when it is marked repeatable.
How does a credit committee fit into SME lending?
A credit committee can be a human review task in a case. The review goes to a role's queue with the evidence and automated task runs beside it, while the case records the versions shown.
Can we start with cash-flow decisions and add case work later?
The credit team can start with a cash-flow decision flow and use the same rule sets and scorecards in a case as longer files need them. See the decision flow approach.
Put your SME credit policy in one place
Start with your own cash-flow policy, then add a case type when longer files need evidence-led tasks.