Sanction loans in minutes,
not days.
A complete digital journey from first click to decision, in one sitting — AI document intelligence, a configurable rule engine, and a credit back office that drafts its own appraisal memo.
Lending is still won or lost in the back office.
Digital forms fixed the front door. The bottleneck moved behind it — into document review, policy application, and appraisal writing.
Manual document reading
Every statement, ITR and bureau report keyed in by hand — each one a chance for an error to reach the credit decision.
Policy lives in people's heads
Two officers, same file, different outcomes — and no audit trail explaining why.
Fraud found too late
Tampered statements surface at post-sanction audit — when the money has already moved.
Days to a decision
Every handoff adds a day. The borrower who waits a week has already signed with someone faster.
Four pillars, one continuous flow.
One platform takes a borrower from first click to sanctioned loan — and hands your credit team a file that has already been read, checked and scored.
A private-banking experience,
wearing your brand.
Six guided steps, fully white-labelled with your identity. No app download, no branch visit — one sitting.
The same journey serves salaried and business borrowers — the form and required documents adapt to the product chosen.
A PDF becomes underwriting data in ~1 second.
Eliminate manual data entry — deterministic engines do the heavy lifting; AI fills only the gaps, under strict guardrails.
Even the heaviest files move at machine speed — a 600-page statement is fully parsed, validated and analysed in under a minute, on your own hardware.
On-premise AI. Faster than the cloud,
and your documents never leave.
Fincera's document AI runs on local models inside your perimeter — no cloud round-trips, no per-page metering, no data egress. That one choice changes the speed, cost and compliance story.
| Fincera · Local AI | Cloud AI (e.g. Azure-hosted) | |
|---|---|---|
| Where documents go | ✓ Stay on-premise, always | Leave your perimeter to a third party |
| Speed | ✓ 600-page statement in <60s | Per-page API calls, rate limits, queues |
| Cost at scale | ✓ Fixed infra — no per-page fees | Grows with every page processed |
| Data residency & audit | ✓ Inside your compliance boundary | Third-party DPAs, cross-border questions |
| Availability | ✓ Works with restricted egress | External uptime & quota dependent |
Every cloud fallback, disabled outright
One switch guarantees no document content can ever reach an external service.
AI assists — it never decides alone
Most fields come from auditable, deterministic engines. The local model only fills gaps, and every AI value is verified against the source document before it's accepted.
Bank-grade posture, by default.
Everything sensitive stays inside your perimeter, every action leaves an audit trail, and every decision can be explained to a regulator.
On-premise document AI
Local models inside your infrastructure — with strict-privacy mode to disable all cloud fallbacks.
PII masked before storage
PAN, Aadhaar and account numbers masked before anything is written to logs or dashboards.
Every action, traceable
Who, when, with what data, and what the engine answered — logged on every evaluation and API call.
Isolation & least exposure
Role-based access, per-tenant isolation, credentials held server-side — never exposed to clients.
Hardened entry points
Hashed keys, rate limiting, login throttling — and production refuses to start with weak secrets.
Regulator-friendly decisions
Deterministic parsers and rules mean every number and verdict traces back to its source.
Built for Indian paperwork, out of the box.
Dedicated extractors tuned to the layouts banks actually receive — masked account numbers, ₹ / lakh / crore formats, bilingual documents.
Bank Statements
Any major bank's format — transactions, balances, bounce and penalty signals, verified to the paisa.
Credit Bureau Reports
CIBIL and Equifax — score, active loans, overdues, enquiry history.
ITR & Financials
Income-tax returns and business financials, mapped straight to appraisal ratios.
GST Returns
Turnover trends and filing discipline, consolidated across periods.
KYC — PAN & Aadhaar
Identity extraction with checksum validation, cross-matched against the application.
Salary Slips & Charters
Salary components for salaried loans; incorporation documents for business loans.
Your credit policy, executed
the same way every time.
Apply credit policy consistently — the same file gets the same answer, every time, with reasons.
Business users configure it — no code
Credit teams author rules, conditions and formulas in the Scheme Builder; existing policy schemes import directly.
Deterministic and explainable
Every decision lists exactly which rules passed and failed — a regulator-friendly trail.
Weightage scoring, not just pass / fail
See how strong an approval is — so pricing and deviations can key off the score.
Catch fraud before sanction.
Then the CAM drafts itself.
Automated tampering, cash-flow and bureau checks run before the file is opened — then a Credit Appraisal Memo assembles itself from everything the platform has learned.
Bank Fraud Analytics
Tampering signals, circular transactions, balance manipulation, cash-flow anomalies — scored and flagged.
Bureau Summary
Score band, live obligations, overdues and enquiry velocity — readable at a glance.
Monthly Ledger View
Month-by-month inflows, outflows and average balances across all statements.
GST & Financials
Consolidated turnover, growth trend, filing gaps, ratio analysis from ITR and financials.
The platform also speaks to your customers.
Fincera's AI voice agent follows up in a natural conversational voice — document reminders, offer follow-ups, status updates — and logs every conversation against the application.
One API for scoring, KYC
& document intelligence.
Every Fincera capability is also an API — one key, one contract, one dashboard. Watch what happens on a single call:
Start with lending.
Add AI where it pays next.
Modules built on the same platform, same data, same security posture — switch them on when you're ready.
AI Collections Suite
The same voice agent, pointed at repayment — EMI reminders, promise-to-pay capture, empathetic early-bucket outreach that scales without headcount.
Early-Warning System
Portfolio monitoring on live bank, bureau and GST signals — spot borrower stress months before the missed EMI.
WhatsApp Lending Assistant
A conversational assistant that takes applications, collects documents and answers status queries — on the channel Indian customers actually read.
Underwriter Copilot
Ask the loan file questions in plain language — "why did the score drop?" — with every answer traced to the source document.
Fraud Intelligence API
Statement-tampering and cash-flow anomaly detection as a standalone API — screen files from any channel, even ones Fincera didn't originate.
Same platform. Same data.
Same audit trail.
Each module plugs into the lending core you already run — no new vendor, no new integration project.
From first click to a signed-off
appraisal memo — one platform.
See it live: upload real documents, watch the fields fill in a second, run your policy, and take a call from the AI voice agent — all in one afternoon.