Five surfaces. One loop.

Data in, decision out, outcomes back. Every loan your book writes makes the next decision better. Each surface works on its own, and gets sharper connected to the others.

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The loop 01 → 05, and back

01Orbii Intake reads the paperwork

02Intelligent LOS assembles the application

03Decisioning + Labs decides, with the reasoning

04Intelligent LMS services and records

05Portfolio Intelligence watches the book

Your loan book One record,
five surfaces nothing re-keyed

Adopt one surface, or run all five. The record is the same either way, and every loan it writes is what the next decision is judged against.

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Five surfaces. One lending stack.

Every surface plugs into what you already run, and works on its own.

01 · Nothing to chase

Orbii Intake

Turn the paperwork into a credit file.

Statements, financials, bureau reports and invoices, read and cross checked against each other in minutes. What used to take two weeks of back and forth arrives as one complete file.

Scanned or digital, across dozens of bank formats

Bureau reports, financials, CRs and invoices

Cross checked across every file in the pack

Live in the UAE, Saudi Arabia, Oman and Jordan

Orbii Intake 9 documents · 41s

Sources

Bank statements12 months · 2 accounts

Audited financialsFY2025 · scanned PDF

Trade licenceDED · valid to 04/2027

Bureau reportAECB · commercial

Supplier invoices4 of 6 legible

Extracted

Legal nameFalcon Foods LLC

Licence no.CN-1184529licence

Revenue, 12moAED 4,820,400financials

Banked creditsAED 4,312,700statements

Avg. balanceAED 271,900statements

Existing facilitiesAED 1,150,000bureau

Days past due0bureau

Cross-check: declared revenue exceeds banked credits by AED 507,700 (10.5%). Consistent with cash sales, but unverified. Raised for the credit officer, not resolved automatically.

Every field traces to the page it came from Send to decisioning

02 · Ready before you open it

Intelligent LOS

The application assembles itself.

An agent gathers what the case actually needs through conversation, then screens it against your own credit policy. Files that were never going to be approved stop reaching a credit officer.

Requests only what the case actually needs

Conversational, so borrowers finish the application

Screened against your own credit policy

Deployed inside your environment

Intelligent LOS Application 4471 · 6 min

OrbiiGive me your trade licence number and I'll build the rest.

ApplicantCN-1184529

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

ApplicantWorking capital, AED 750,000. 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

LicensingValid to 04/2027

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

03 · Your model, your call

Decisioning and Orbii Labs

Build the model, then defend the decision.

Orbii Labs and the decisioning engine in one surface. Your team builds and trains the model on your own book, and the engine runs it with the reasoning on the face of every decision.

Build features and promote a champion in Orbii Labs

Eligibility rules and PD model, weighted your way

A to D bands with the drivers behind every one

Backtested against your own book before go live

Orbii Labs SME working capital · study v4

Credit teamBuild a working capital model on the last 18 months.

OrbiiGraphed 6 tables, 214 columns from POS, core banking and bureau. I'd start from three lenses: cashflow volatility, supplier concentration, repayment rhythm.

Credit teamAdd our own lens for Ramadan seasonality.

OrbiiDone. Trained 3 candidates. v4 leads and holds drift under threshold across the last 6 cohorts. Validation report ready to export.

The four workspaces all driven from the chat

01Data Graphs6 tables, 214 columns, profiled and joined

02Credit Studio4 lenses, 3 ours and 1 yours, 37 features

03Holistic BandingA to D, with the drivers behind each

04ML Studio3 candidates trained, pipeline frozen

ABCDbands Championv4 Gini0.62 Backtested18,400 loans

Nothing runs live until your team promotes it. Promote to decisioning

04 · Servicing that learns

Intelligent LMS

Servicing is where the truth arrives.

Every repayment, delinquency and recovery becomes a labelled example, and the model that wrote the loan learns from how it actually performed. Servicing stops being a system of record and starts being a source of signal.

Every repayment becomes a labelled example

Thresholds suggested, never applied silently

Audit and document trail on every loan

Works alongside the LMS you already run

Intelligent LMS Loan management

LN-00001 Active Critical risk Harris Group · originated Feb 2025 · 24 month bullet

OutstandingAED 203Kprincipal

RepaidAED 166K45% repaid

Overdue0days

Next13 Sep2026

OverviewPaymentsScheduledAuditDocuments

Signals read on this loan

Payments 24 Statements 12 Documents 8 Restructures 1 Buyer changes 2 Contact events 5

What this loan is teaching the model every signal, every loan

→Eleven payments on time, but utilisation climbing and 41% of receivables sit with one buyer.Portfolio

→Bullet loans in the Q1 2025 cohort are underpredicted by 0.4 bands against outturn.Underwriting

→Suggested: raise buyer concentration weight 0.8 to 1.1, retrain on 6 fresh cohorts.Tuning

Schedules, penalties, restructures and a full audit trail. Suggested, never applied silently. Review 3 suggestions

05 · See it coming

Portfolio Intelligence

Build the view, don't request it.

Monitoring and forecasting canvases you build yourself. Watchlists, DPD movement, concentration and stress cases, in real time rather than in next month's report.

Watchlists, DPD movement, concentration, cohort drift

Stress the book before the market does

Ask your portfolio a question in plain language

Canvases you build, not reports you request

Portfolio Intelligence 142 live loans · live

DeployedAED 4.8M↑ 4.8% 142 loans

OutstandingAED 3.1M↑ 2.3% at work

On time94.6%↑ 2.1pt 12mo

PAR 30+6.4%↓ 0.9pt AED 201K

InsightsPerformanceRiskComposition

Your goal Grow the book 25% by Q2 without letting PAR 30+ pass 7%.

Active leversdrag to scrub

Revenue drop −18%

Cost rise +0%

Exposure at riskAED 720Kfrom AED 396K

Loans breaching4from 2

PAR 30+9.1%from 6.4%

At revenue −18%, ~~AED 720K~~ of the covered book breaches its DSCR target. The damage concentrates in one buyer's suppliers. Your 7% ceiling breaks at −12%.

Ask a downturn, or add a lever... Ask

The loop

One loop, five surfaces

Gather. Intake and LOS assemble the file and screen it before anyone opens it.

Decide. Your rules and your PD model produce a band, a score and the reasoning.

Service and retrain. Every repayment becomes a labelled example for the next model.

An ornamental numeral five built from engraved leaves, ferns and moths, with a yellow butterfly

Make Credit a Growth Engine,
Not a Bottleneck

92% ↓

in credit evaluation time

+68%

in approvals

58% ↓

in default rate

Tell us where credit gets stuck.
We'll show you the surface.

One record, nothing re-keyed between surfaces

Start with one surface, not all five

Your policy, your thresholds, your model

Every decision explainable, every action logged

Live across UAE, KSA, Oman and Jordan

Trusted by risk leaders