01 /
Originate
Digital application, document collection, and automated income and identity verification — all within the same session as account opening if desired.
Consumer / Lending
Transform your lending journey with Transform your lending journey with API-driven credit
API-driven consumer credit solutions designed for the complete origination process — origination, underwriting, decisioning, and disbursement. Your risk parameters. Your decisioning logic. Automated execution.
Consumer Lending
Personal loans • Thin-file lending • Fair lending models • Instant disbursement
The lending lifecycle
Every phase. One platform.
02 /
Underwrite
Fair lending AI/ML models customized to your strategy. Evaluate creditworthiness accurately and equitably — including thin-file applicants traditionally excluded.
03 /
Decide
Instant decisioning grants immediate access to funds. Digital document signing within minutes. No printing required.
04 /
Disburse
Funds disbursed directly to the virtual debit or credit card for immediate use. Outstanding client experience drives growth and creates cross-selling opportunities.
Loquat enables lending to consumers with limited credit history — including early-in-career professionals and immigrants — by building risk models that go beyond traditional thin-file exclusions. Expand your addressable lending market without expanding your risk exposure.
Lending agents
How the agents work for consumer lending How the agents work for consumer 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 on consumers and handles 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, 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.
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, a preliminary assessment of your integration requirements, and a realistic picture of what deployment looks like for an institution of your size. No prior commitment required.
Request a briefing