01 /
Originate
Digital application, document collection, and automated income and identity verification — all within the same session as account opening.
Business / Lending
Simplify your business loan process
API-first business lending modules built for the stages that matter most — origination, underwriting, decisioning, and disbursement. Your risk parameters. Your decisioning logic. Automated execution.
Business Lending
AI/ML underwriting • Instant decisioning • Same-day disbursement • BSA/AML automated
The lending lifecycle
Every stage. One platform.
Loquat's API-first lending modules enable the complete loan origination lifecycle — giving financial institutions the freedom to launch, scale, and evolve any credit product with speed, precision, and institutional confidence.
02 /
Underwrite
Proprietary AI/ML scoring built with your risk parameters. Assess creditworthiness accurately and fairly — including businesses historically underserved by traditional models.
03 /
Decide
Automated decision support with instant client notification. Digital document signing within minutes. Clients access funds immediately.
04 /
Disburse
Funds disbursed directly to the virtual debit or credit card. Ideal for payroll, inventory, equipment, or any urgent business need.
By taking a strategic and proactive approach to credit risk management, you can position your institution for long-term success — expanding your lending addressable market without expanding your risk exposure.
Platform capabilities
A lending model built for institutions like yours A lending model built for institutions like yours
Proprietary AI/ML scoring
Built using large volumes of transactional data. Risk parameters are created with you — enabling lending to businesses historically unbanked by your institution.
End-to-end origination
From application to underwriting, decisioning, and disbursement — every phase covered. No need to integrate separate providers for different lifecycle stages.
Instant card disbursement
Approved funds disbursed directly to virtual debit or credit cards. Clients access capital immediately — driving higher utilization and satisfaction.
Fair lending compliance
AI/ML models that are accurate, equitable, and compliant. Built-in BSA/AML automated logging and full audit trail for regulatory review.
Digital document signing
Signing within minutes of the offer. No printing, mailing, or branch visit required — fully digital from application to funded account.
Growth & cross-sell signals
Exceptional experiences create upselling opportunities. CALM Portal surfaces signals. Loquat IQ identifies when to act.
Lending agents
How the agents work for business lending How the agents work for business lending
Lending is coordinated by four intelligent agents that unify identity verification, underwriting, decisioning, and disbursement into a single continuous process.
Lending agents
Onboarding & identity agent
01Establishes borrower identity across all lending scenarios. Performs KYC + KYB for business borrowers, verifying individuals, ownership structures, and financial documentation. Adapts intake requirements dynamically based on borrower type and risk profile.
Risk & decisioning agent
02Applies AI/ML underwriting calibrated to your institution’s risk parameters. Incorporates identity, behavioral, and financial data into a unified credit decision.
Account & activation agent
03Generates loan documents, initiates e-signature, and disburses funds directly to a virtual card or account. Ensures immediate access to capital upon approval.
Implementation agent
04Captures requirements from discovery and delivers a complete integration plan covering KYC/KYB, beneficial ownership, core banking, and card rails. Builds, tests, and deploys end-to-end with a live dashboard, SOC 2 Type II controls, and automated rollback on failure.
Same-day
funding
Automated
compliance
0
manual steps
QUESTIONS & ANSWERS
What institutions What institutions ask most
Our lending module is powered by proprietary AI/ML models built using large volumes of transactional data. We create the risk parameters with you — enabling you to lend to businesses historically unbanked by your institution without expanding risk exposure.
Our comprehensive loan origination system handles digital application submission, document collection and verification, credit analysis using proprietary AI/ML scoring models, automated decision support, loan approval workflows, and funds disbursement — all while maintaining compliance.
Funds are disbursed directly to a virtual debit or credit card within minutes of approval. Digital document signing happens within minutes of the offer — clients have immediate access to capital without waiting for checks or ACH delays.
Your competitors are not waiting for your next budget cycle
Request a 30-minute executive briefing. We will walk your leadership team through a live demonstration of the lending module — AI/ML underwriting, instant decisioning, and same-day disbursement — plus a preliminary assessment of your integration requirements. No prior commitment required.
Request a briefing