The application assembles itself

An agent works out what each case actually needs, gathers it through conversation with the borrower, and screens it against your policy, so only qualified applications reach a credit officer.

Book a demo

Intelligent LOS Application 4471 · 6 min

OrbiiGive me your company registration number and I'll build the rest.

ApplicantCN-1184529

OrbiiFalcon Foods Ltd. I have your registration, tax registration, bureau file and 12 months of sales. Two things I can't see: what the facility is for, and how much.

ApplicantWorking capital, USD 204,200. New supplier contract starting next month.

Resolved without asking 14 fields · 6 sources

POS12mo sales, daily

ERPAR ageing, stock

Banking2 accounts, 12mo

BureauCommercial file

IdentitySignatory verified

RegistryValid to 04/2027

3 questions asked. Screened against your policy before anyone opens it. Ready for review

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

Orbii Origin · live walkthrough

Watch an application

assemble itself.

One borrower, one credit file, weeks of data gathering in just a few minutes. The agent verifies, asks, fetches with consent and hands over a complete file. Ready for you to decide.

Qamar Financepowered by orbii origin

ENAR

Type a reply…

Falak Trading LLCIn conversation

· · · OR-2841

Open in Orbii Labs Send to Orbii Decisioning

Pre-screen · rules v7

Waiting for data · 0 of 8 rules evaluated

Rules run automatically once the file is complete. The borrower is told the indicative result, not the decision.

Data completeness0%0 of 7 sources

Consent records0Timestamped, PDPL basis logged

Flags for analyst0None raised yet

Entity & KYBDubai DET · UAE Pass · awaiting borrower

Legal name

Licence

Signatory

BureauAl Etihad Credit Bureau · commercial · needs consent

Score band

Max DPD, 24 mo

Active facilities

Bank statementsCBUAE Open Finance · needs consent

Avg monthly inflow

Lowest balance

Top-2 payer share

FinancialsFY2025 · will request if not on registry

Revenue

Net profit

DSCR proxy

TaxFTA · VAT returns · queued after bank data

Declared sales, 12 mo

Variance vs financials

Filing status

DocumentsOCR + extraction · originals retained

Trade licence

MOA / share register

FY2025 accounts

Handoff: the agent is still collecting. Nothing reaches the credit team until the file is complete and pre-screened.

Live · borrower active

New borrower ready to decisionFalak Trading LLC · AED 350,000 · likely eligible · 1 flag

Left: what the borrower sees, on the lender's brand.

Right: the credit file as the lender sees it, filling in as each source arrives.

Three steps.

One qualified application.

Asks only what it needs

Screens before you open it

Runs where your data is

01 · Conversational intake

The borrower answers questions, not a form

Today a credit team sends a fixed document list, chases it, then discovers half the file was never relevant. The agent asks for what this particular case requires, and adapts as answers come back.

Requests only what the case actually needs

Chases and follows up without a person doing it

Works with the borrower or the relationship officer

Question plan17 fields

Falcon Foods Ltd · working capital

Business registration, ownershipregistry

12 months of salesPOS feed

Bureau file, exposuresbureau

What the facility is forasked

Amount and tenorasked

Supplier contract, start dateasked

3 questions. The other 14 fields were already answerable.

02 · Pre-screening

Only qualified files reach a credit officer

The saving is not the typing, it is the screening: the hours that go into files that were never going to be approved. Applications are checked against your scorecard before anyone opens them.

Screened against your own credit policy

Declines handled without involving the credit team

A complete file, or a clear reason it isn't one

Policy screenYour scorecard

Application 4471

Trading history4y 2m · min 2y

Debt service cover1.41 · min 1.25

Bureau, active defaultnone

Sector exclusionsclear

Exposure ceiling204K · cap 327K

Passes 9 of 9. Complete file, nothing outstanding.To credit officer

Application 4468 stopped here. Reason returned to the borrower, no credit time spent.

03 · Deployment

Runs inside your own environment

Ships as an SDK that runs where your data already lives, so borrower information does not have to leave your environment to be gathered, screened or scored.

Deployed as an SDK in your environment

Borrower data stays where it is

Hands off cleanly into credit decisioning

DeploymentSDK

Your environment

Orbii SDKruns in your VPC

Borrower datanever leaves

Your core, LMSdirect calls

Audit trailyour storage

Boundary

Orbii

Model updatessigned, versioned

Policy packsyou approve each

One direction. Weights come in. Applications do not go out.

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.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

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

Assembles the file before anyone opens it

Screens against your own credit policy

Hands you an application ready to approve

Live across four markets: UAE, KSA, Oman and Jordan

Trusted by risk leaders

Your team works alongside ours

Book a demo

The application assembles itself

Slowed by Reviews, Stuck with Risky Guesses

Watch an application

assemble itself.

Waiting for data · 0 of 8 rules evaluated

Three steps.

One qualified application.

The borrower answers questions, not a form

Only qualified files reach a credit officer

Runs inside your own environment

Make Credit a Growth Engine, Not a Bottleneck

in credit evaluation time

in approvals

in default rate

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

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

One record, one API.

Built for credit teamsthat move fast

Make Credit a Growth Engine,
Not a Bottleneck

Built for credit teams
that move fast