Underwrite Smarter. Approve More. Grow Faster.

For fintech lenders scaling business lending operations, Orbii turns weeks-long analysis into instant, explainable credit decisions, powered by real financial behavior.

Book a demo

Trusted by Risk Leaders at

secs

to decision

1000+

signals

99%

accuracy

Slowed by Reviews, Stuck with Risky Guesses

Manual underwriting process slows down decisions

Limited ability to confidently approve thin-file SMEs

Credit teams stretched across spreadsheets, PDFs, and rules engines

Difficult to scale loan book without compromising risk

Automated underwriting

From data to decisions, instantly

Skip the manual grind. Orbii reads PDFs, parses bank data, and builds a full borrower picture — in seconds.

Upload statements or connect via API

Our AI handles the messy details so you don’t have to

Clean, structured data. Instant insights.

Risk-based Decisions

Deliver decisions you can trust and explain.

Get real-time scores with transparent reasoning

Adjust credit thresholds on the fly

Align approvals with your risk appetite, not legacy rules

Portfolio Intelligence

Stay ahead of risk, not behind it.

Track borrower health with live signals

Get alerted when performance dips

Spot patterns across your book in real time

Make Credit a Growth Engine,
Not a Bottleneck

92% ↓

in credit evaluation time

+68%

in approvals

58% ↓

in default rate

How Foodics Lender boosted loan approvals by 30% using Orbii’s AI engine.

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Five surfaces

One record, five surfaces

01Intake

02Origination

03Decisioning

04Servicing

05Portfolio

Intake

Orbii Intake

Reads the paperwork. Statements, financials, bureau reports and invoices become fields your credit policy can be written against, each one traceable back to the page it came from.

Origination

Intelligent LOS

Assembles the application and screens it against your own credit policy, so what reaches a credit officer is already worth opening.

Decisioning

Decisioning and Labs

A band, a score, and the reasoning behind both. Your eligibility rules gate the population, your PD model ranks within it, and the weighting is yours to set.

Servicing

Intelligent LMS

Schedules, restructures and a full audit trail. Every repayment becomes a labelled example, so the book you are running teaches the model that writes the next one.

Portfolio

Portfolio Intelligence

Canvases you build, not reports you request. The book is watched continuously rather than quarterly, and what it finds loops back into the next decision.

The Orbii stack

Five surfaces, one stack

Adopt one surface or run them all. They sit on the same record, so nothing is re-keyed between them and every repayment loops back into the decision that writes the next loan.

01 / 05

Intake

Orbii Intake

Reads the paperwork, and every field traces back to the page it came from.

Origination

Intelligent LOS

Assembles the application and screens it against your own credit policy.

Decisioning

Decisioning and Labs

A band, a score, and the reasoning behind both.

Servicing

Intelligent LMS

Schedules, restructures and a full audit trail, feeding the next model.

Portfolio

Portfolio Intelligence

Canvases you build, watching the book continuously rather than quarterly.

Designed for developers

One record, one API.

A single API and one webhook stream across intake, decisioning, servicing and portfolio. Every field traces to its source, every decision is logged.

LN-00001

POST /v1/applications

{

"borrower": "Falcon Foods Ltd",

"documents": [ 4 files ],

"policy": "sme_v3"

}

// 201 Created

{

"loan_id": "LN-00001",

"status": "parsing",

"events": "webhook"

}

documents.parsed 312 fields from 4 documents09:41:02

application.assembled screened against sme_v309:41:04

decision.issued Band B, PD 4.1%09:41:06

loan.disbursed on approval—

repayment.posted on each instalment—

portfolio.updated continuously—

policy.applied sme_v3, by rules engine09:41:04

model.scored champion v4, Gini 0.6209:41:06

reason.recorded DSCR 1.42, zero days past due09:41:06

field.traced every value back to its source page09:41:06

reviewer.assigned credit officer, queue sme09:41:07

Every event carries the same loan id. Nothing is re-keyed between surfaces.

Built for credit teams
that move fast

Works with your existing LMS

Launch in less than 1 week

Approve with just a PDF /bank feed

Slack-based delivery and insights

Success manager + team training

24/7 Priority Support

Book a demo

Underwrite Smarter. Approve More. Grow Faster.

Slowed by Reviews, Stuck with Risky Guesses

From data to decisions, instantly

Deliver decisions you can trust and explain.

Stay ahead of risk, not behind it.