A credit decisioning engine you change in minutes

Every application goes through knock-out rules, bureau data, external scores and your own models, and gets a decision, a limit and the reasons behind it.

See a decision tree
lendhero Credit decisioning software interface
< 30 s
average time to an automated decision
15 min
to ship a new strategy version
70%+
of applications decided without a person
Any API
bureaus, scores and data sources

Where it sits in the loan lifecycle

  1. Onboarding
  2. KYC
  3. Decisioning
  4. Origination
  5. Disbursement
  6. Servicing
  7. Repayments
  8. Collection

Capabilities

Decisions you can change without a release

Visual decision tree

Steps, conditions and branches in an editor, one tree per product and channel.

Free checks first

Knock-out rules, duplicates and blacklists run before any paid bureau request.

External and in-house scores

Bureau scores, alternative data and your ML models in one strategy.

Affordability rules

Debt-to-income and exposure limits from bureau and application data.

Versioning and testing

Run a new version on test applications, then switch traffic with no downtime.

Explainable outcomes

Every decision stores the rules that fired, for staff and auditors.

How it works

How a decision is made: same chain, your rules

  1. 01Knock-out rulesAge, residency, blacklists and duplicates filter obvious cases for free.
  2. 02Extra dataBureau reports, bank data and alternative sources only when needed.
  3. 03Scores and modelsScorecards and ML models are combined into one risk grade.
  4. 04Limit and productThe engine picks the product, amount and term for the grade.
  5. 05DecisionClear cases are decided automatically; borderline ones go to a person.

Explainable

Every decision comes with its reasons

Staff, borrowers and auditors see which rules fired and which data was used, in plain words.

  • Reasons in the borrower’s languageDecline letters explain what to fix.
  • Full audit trailEvery version, rule and data source is stored with the decision.
Every decision comes with its reasons: lendhero interface

Works together with

Related modules

KYC and fraud preventionIdentity and fraud checks that feed the engine.
Underwriter agentPrepares borderline cases and proposes a decision.
ML scoringRisk models trained on your own loans.

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can analysts change rules without developers?+

Yes. Rules, branches and limits are edited in a visual editor and published as a new version.

Which bureaus and data sources are supported?+

Credit bureaus, open banking, government registries, ID checks and alternative data in 172 markets. A new source can be added through the API.

Can we test a strategy before it goes live?+

Yes. Run a new version on past or test applications, compare the results with the current one, then switch traffic over.

How are decisions explained to borrowers?+

Each decision stores the rules and scores behind it, so staff can give the borrower a clear reason, and decline letters are filled in automatically.

Can we use the engine on its own?+

Yes. The decision engine works as a separate module through the API, next to your existing loan system.

Book a demo

See on your own products

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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