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Trade Financing

From file uploads to a credit decision. The applicant uploads what they have, the application begins to fill itself, the scorecard runs, and the file reaches the approver who can make the final decision.

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Trade financing

From document uploads to financing decisions.

The application opens with a drop-zone, not a form. What data documents can supply is extracted and auto filled in; what no document supplies is then asked for afterwards.

The documents provided fill in the application itself. The customer only confirms what was extracted. No transcription necessary.

Your scorecard runs as soon as required data is collected. Every input cites the document it came from and the run remains provisional until an analyst confirms it.

The file routes to the decisioning tier that can approve it. If one item is missing, then a request goes out for that one item.

  1. The customer uploads four documents. Three are read and fill 3 of the 4 fields the credit file needs; the fourth, a certificate of insurance, is expired, so the coverage field stays empty.
  2. The scorecard runs on the figures the documents supplied, with each input cited back to the document it came from. The insurance input has no source, and the run is badged provisional because no analyst has confirmed it.
  3. The file routes by amount to the tier that can decide it. Of the four outcomes, the one taken is a return for information naming the single missing item, and the clock pauses while the lender waits.

Manually reviewing and keying in an application forms a time and accuracy bottleneck

Financing applications ask customers for a laundry list of data points that already exist on file elsewhere. Data collected is then re-keyed into a spreadsheet to produce a score. The same file is entered twice by two different people before any decision has been made.

  • The data already exists. Everything requested in applications already exists in files they have.
  • The analyst types it again. Financial figures are often re-keyed by hand to get a score out of a spreadsheet.
  • The file waits. Two missing documents chased by email while the customer wonders what happened.
  • The record ages. Accurate on the day it was signed, drifts from that day forward.

With Sweet

Upload, score, decide

One journey, from the first upload to the annual review. The same system takes the application, scores it, routes the decision, opens the account and keeps it current.

  • Upload — files or photos are uploaded. Each one is classified and analyzed against your document rules and the data needed is extracted, saved, and pre-filled into the application.
  • Score — as soon as the required data is known, your scorecard runs. Ratios, benchmarks, weights and adjustment layers all come from a definition your team determines.
  • Decide — the file routes to the correct decisioning authority. Approve, add conditions, ask for certain items back, or decline with reason.

Extract, don't ask

The journey opens with a document drop-zone, not a form. Everything a document can supply is extracted, saved, and applied to the application from the start — tax forms, financial statements, voided checks, insurance certificates, licenses, and exemption certificates.

  • Confirm, don't type. Every auto filled field is highlighted, so the customer reviews rather than transcribes.
  • Only ask once. A business name captured once fills the authorization, agreements, and the scorecard.
  • Accuracy you can see. Corrections are recorded in the audit trail, so a figure can be traced back to the document it came from.

Your credit model, versioned, and testable

The score is produced the moment the necessary figures land, with no keying, and every run is recorded with the inputs that made it. Criteria, weights and bands are edited as data: change them, test the change against known cases, compare two versions side by side, then publish.

The record stays true after the decision

Approval automatically creates the account with its financing limit, rating, and the review cycle its rating dictates. Statements are auto-requested on that cycle, new figures are re-scored, and automatic tests run before anything lands on a desk. Certificates track their own expiration: outreach starts at the lead time you set, and reminders stop the moment the document is received.

Change the process without changing the software

Forms, workflows, scorecards, benchmarks, authority bands, permission tiers, document rules, and reminder cadences are all versioned data. Add a question, a section or a condition, preview it as the customer sees it, and publish a new version. Permission tiers are composed from a capability catalogue and scoped by amount, by team, or to assigned work only.

Learn more about the platform end to end.

Trade financing

The application fills itself.

Documents are read on arrival, the fields they supply are filled in, and your scorecard runs on the figures without anyone keying them.

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See the platform on your own book of business.

A working demo with your loan programs, your documents, and your workflow, not a slide deck.

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