Business lending
Businesses clients are still struggling to secure the funding they need at every step of their business journey. Despite some progress in recognizing and overcoming obstacles to accessing capital, there is a long road ahead.
By taking a strategic and proactive approach to credit risk management you can position your financial institution for long-term success
Loquat’s API-first lending and credit modules were built to enable every stage of the credit lifecycle – from origination to servicing, collections, and payments – giving financial institutions the freedom to launch, scale, and evolve any credit product with speed, precision, and trust
Underwriting process can be tailored to your institution's lending strategy, using unique AI/ML models to assess client creditworthiness accurately and fairly
Digital document signing happens within minutes of the offer, with instant decisioning informing clients of their status and granting immediate access to funds
Exceptional client experience sets you up for growth and additional upselling and cross-selling opportunities
Our lending module is powered by proprietary AI / ML models and is built using large volumes of transactional data. We create the risk parameters with you, so our model enables you to lend to consumers and businesses that were historically unbanked by your financial institution.
Our comprehensive loan origination system streamlines the entire lending process from application to funding. The platform handles digital application submission, document collection and verification, credit analysis using our proprietary AI/ML scoring models, automated decision support, loan approval workflows, and funds disbursement – all while maintaining compliance with regulatory requirements.
Loquat’s flexible platform supports a wide range of consumer and business lending products, including term loans and lines of credit.
Additionally, Loquat enables instant disbursement of approved funds to virtual debit or credit cards, giving consumer and business clients immediate access to capital. This feature is especially valuable for cash flow management, helping your clients address urgent needs like payroll, inventory purchases, or equipment repairs — without waiting days for funds to clear.
By offering fast, digital-first disbursement options, your financial institution can deliver a seamless lending experience that meets the expectations of today’s business owners while driving higher utilization and client satisfaction.
