Canada loan platform
Applications, documents, and a human decision
A loan operations platform for a Canadian client, with document intake, bank connectivity, phone menus, and review workflows.
7 mo
Core platform in production use
Human
Final credit decision
Canada
AWS ca-central-1
Client names, logos, and contracts stay unpublished under NDA. Software screens use sample data, not live records.
Outcome focus
4 connections
Bank verification, bank API, phone menu, document intake
01 — Context
Challenge
Applications, identity documents, bank verification, and phone follow-up lived in different tools. Reviewers rebuilt the file before they could decide.
02 — Method
Approach
Laravel holds the application. Applicants upload identity and income documents. OCR reads them into fields a reviewer checks. Flinks handles bank-account verification. A BMO API integration covers the payment status the client needed. A Twilio phone menu handles status calls and callbacks. AI prepares a checklist. A person approves or sends the file back. The lender is not named.
Workflow
Apply
The applicant submits the form and the required documents.
Verify
OCR fills fields, Flinks confirms the account, and the phone menu can request a callback.
Decide
A reviewer uses the checklist and approves, declines, or sends the file back.
Outcomes
- The review screen shows document, bank, and call status together
- Extracted fields stay editable. The source file stays attached.
- AI output is a checklist, not a credit decision
Measurement
Illustrative patterns from this engagement style
Files opened with documents already attached
Illustrative share of reviews that started with identity and income files on the application.
- 16 M1
- 29 M2
- 44 M3
- 61 M4
- 73 M6
- 80 M7
Checkpoint values
Same series as bars — useful for scanning week-to-week movement.
Reviewer time on a file
Illustrative. Decisions stayed manual.
Before
- Collect documents45%
- Re-key fields30%
- Decide25%
After we rebalance
- Collect documents15%
- Re-key fields15%
- Decide70%
Charts are illustrative patterns for how we sequence and measure work in this category. They are not audited financial results or guarantees.
Visuals
Project gallery
Forms and listings are sample interfaces. They are not screenshots of a client's live data.
Need a similar outcome?
Book a free audit. We will tell you whether a campaign rebuild, a product build, or a creative system is the honest next step.
Book a free audit