Application intake and clearance
We capture applications from your channels and brokers and check each one against existing customers and duplicates.
Firefly CreditOS · Credit Operations
We build the credit file. Your credit officer decides.
We turn loan applications and scattered documents into complete credit files: intake, follow-up, spreading, and the credit memo, under your credit policy.
Unit of work · An accepted credit fileScroll to explore
The problem
A loan waits longer for information than for a decision.
Missing documents, re-keyed data, and email handoffs use up the time your credit officers need for assessment.
Who it servesHeads of lending, credit operations, commercial lending, and specialty finance
What the service includes
We do the work within the limits of your policy.
Your service schedule lists the tasks your operation includes.
KYB and ownership checks
Through your providers, we check registries, beneficial owners, sanctions, and politically exposed persons (PEPs), and prepare every hit for review.
Document collection
We chase every missing document and condition until it arrives, your institution waives it, or we escalate it.
Spreading and verification
We spread financials into your template, calculate DSCR and leverage, and order bureau reports, valuations, and lien searches.
Credit memo
The memo follows your format, from borrower and guarantors to collateral and conditions, and we trace each point to its evidence.
Documentation and closing
After approval, we draft loan documents from your templates, track conditions precedent, and issue funding instructions.
How the service works
Five stages, and who does each one.
Each stage runs on the method that fits the cost of an error.
- 01
Receive
AI model
We register the case, validate the intake, and check it for duplicates.
InputApplication and consent
OutputA tracked application
- 02
Complete
AI agent
An AI agent chases each missing document and clears exceptions within your limits.
InputMissing-item list
OutputA complete evidence set
- 03
Prepare
AI model
We spread the financials, run the checks, and draft the credit memo.
InputVerified sources
OutputA structured credit file
- 04
Review
Your team decides
Your credit officer reviews the package and decides; we coordinate the questions.
InputCredit file and exceptions
OutputA recorded decision
- 05
Execute
Your systems
We complete the closing administration in your systems.
InputYour decision and instructions
OutputA completed closing package
What you receive
The finished work and the evidence behind it.
Unit of workAn accepted credit file
- Accepted credit file with source references
- KYB, sanctions, and PEP evidence
- Credit memorandum in your format
- Closing package and funding instructions, when in scope
Systems and technology
We work in your systems, on open-source modules.
Connected to your systems
Your loan origination system, CRM, document stores, verification providers, credit bureaus, e-signature, and core records.
Built on Firefly OpenPlatform
Your teams can read the code of each module.
Measures
We measure the work you receive.
- Time from intake to complete file
- First-pass acceptance rate
- Age of outstanding document requests
- Spreading accuracy against source documents
- Rework and material error rate
Scope, pricing, and growth
Start small and expand on evidence.
A focused starting point
One business-loan product, one channel, and a defined document set.
How the service is priced
Per accepted credit file, with complexity bands and a minimum commitment.
Where the service can grow
Add channels, closing, renewals, covenant reviews, or ServicingOS.
Questions
What buyers ask before they scope.
Can we keep our loan origination system?
Yes. We work in your loan origination system and agree, while scoping, which system holds each record.
How are incomplete applications handled?
We chase what is missing. An application still waiting on something stays open, and we never count it as a completed file.
Can the spreads and the memo follow our templates?
Yes. Both follow your templates, ratios, and policy checks, and policy exceptions go to your approver.
Your first operation
Bring us one operation.
Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.