Lending
From first touch to a finished loan application.
One agent works each applicant across voice, WhatsApp, RCS, SMS, web chat and your app, from purpose to documents consent, and picks them back up when they stop.
The whole conversation, under two minutes
Maya
Fairway Lending · Brisk, plain words
Incoming call
Matched to Young professional, first loan
Fairway Lending is calling
- Call
- RCS
- Screen
Illustrative. A personal loan from a web chat question to a submitted application: the call, a text, and the screen, one thread.
Customer, from the record
Dana · Young professional, first loan
Agent persona, matched
Maya · Brisk, plain words
- 0:00
The call
Maya calls. Dana answers.
- 0:03
Maya
Hi Dana, it's Maya from Fairway Lending. You asked about a personal loan in our web chat last night and left before the amount. Is now a good time?
- 0:12
Dana
It is. I'm redoing the kitchen. Probably fifteen thousand, and I'd want it over three years.
- 0:18
Maya
Fifteen thousand over three years comes to about $482 a month at the rate on your offer. Does that fit what you had in mind?
- 0:27
Dana
That works. Is there anything I need to send you?
- 0:31
Maya
Your ID is already verified from your account. I need one recent payslip and your consent to pull documents. I'll text you the application. It already has what we covered, and you can finish it on your phone while we talk.
- 0:47
Maya
Hi Dana, your personal loan application is ready. It carries the amount and term from your call with Maya. · Continue application
- 0:50
Dana
Got it. Do I need my laptop for the payslip?
- 0:52
Maya
No. Your phone camera is enough, or pick the file from your email.
- 0:54
Dana
Taps Continue application
- 0:55
Screen
The link opens Fairway Lending. The call stays on.
- 0:56
Maya
I can see the link is loading. I'm going to stay right here on the call until that's done.
- 1:02
Screen
Loaded.
- 1:03
Maya
Great. I'm going to hang up here and continue over there.
- 1:06
The call
Maya hangs up. The rest happens on the screen.
- 1:08
Screen
Personal loan opens, from your call with Maya
- 1:09
Maya
Purpose: Kitchen renovation
- 1:10
Maya
Amount: $15,000
- 1:11
Maya
Term: 3 years
- 1:12
Maya
Identity: Verified, on file
- 1:13
Maya
Your payment, $482/mo. $15,000 over 3 years.
- 1:14
Maya
Everything from the call is in. Add the payslip when you're ready. I'm right here on the screen.
- 1:19
Maya
Payslip: Added
- 1:21
Maya
Got it. Last step is documents consent, then it goes straight to underwriting.
- 1:26
Dana
Taps Documents consent
- 1:28
Screen
Application submitted. With underwriting. LN 40218.
- 1:29
Maya
Submitted. Underwriting has it now, and I'll message you the moment there's news. If anything stalls, I'll pick it up from this same thread.
A follow up call about a personal loan agrees the amount and term, texts the application over RCS, answers a question there, and lands the customer on the app screen where the agent has filled in everything from the call. The customer adds a payslip and gives documents consent, and the application is submitted to underwriting. Nothing is called approved. The agent stays on the call while the link loads, hangs up once the screen is ready, and continues on the screen.
Where loan applications leak
You pay to bring an applicant in. The application stops at the hardest step and goes back in the pile you already paid for.
Interest arrives by text at ten. The call comes days later, from someone who never saw it.
The call promises to send a link and hangs up. Nobody on it knows if the link was opened.
Leads that could not be reached are written off, then bought again in the next campaign.
What changes
Outcomes, not features.
Applications that get finished
An applicant says what the loan is for. The agent plans the steps and asks one question at a time, only what your rules require for that product, from purpose to documents consent. The finished application goes to your underwriting, and nothing is called approved before it does.
Dropped applications picked back up
An application left halfway gets one reminder, then a nudge back into the same step with nothing already filled in lost, then a follow up call from the same desk, briefed on where they stopped. A callback they ask for is booked, not noted.
Top up, consolidation and protection, from the record
For a customer who already holds a loan, the opener comes from where that loan sits: a top up or a consolidation. Loan protection is offered in the same conversation. Leads that could not be reached are reopened on the same case, with your original lead ID kept.
Compliance that lets the agent sell
Consent is default deny, and quiet hours are checked before every send. Every completed conversation is checked against the frameworks you enable, such as CFPB guidance, with a verdict for each rule. A supervisor can listen live and take the call over.
of loan applications are never completed
Industry analyses, the source for 70% of loan applications are never completed (opens in a new tab)every action logged and compliant
FAQ
Questions, answered.
The specific ones, about your stack, your rules and your data, are best answered on a walkthrough. Book one.
No. The agent takes the application from purpose to documents consent and submits it to your underwriting. Nothing is called approved before underwriting, and every figure the agent speaks comes from your own systems.
See it run on your flows.
A live walkthrough built around your journeys, your products, and your rules. One button to add it to your app.