In the past we needed three months to introduce new products, but after implementing FlexRule we shortened this to couple of days....It will only be profitable for our company if the whole process is automated. The FlexRule engine will cover most of the sales and risk decisions in our leasing process. 
IT Leader, mLeasing
Orchestrate, Automate, and Manage Complex Lending Decisions
Lending involves thousands of decisions across different products, borrower profiles, policies, and channels. FlexRule helps lenders automate complex decisions, reduce manual effort, and maintain transparency and control throughout the loan lifecycle.
Loan Origination & Pre-Qualification
Automate decisions from the earliest stages of a loan application, including borrower pre-qualification, product eligibility, application validation, and initial risk assessment. Help lenders and brokers identify suitable lending products, assess different loan scenarios, and determine whether an application can proceed, requires additional information, or should be declined.
Credit Assessment & Risk Evaluation
Combine credit bureau information, borrower financial data, risk models, and lending policies to assess creditworthiness and determine lending eligibility. Automate complex calculations such as credit scores, debt-to-income ratios (DTI), debt service coverage ratios (DSCR), loan-to-value ratios (LTV), and other risk criteria relevant to different lending products, supporting consistent and transparent risk decisions.
Automated Underwriting
Automate underwriting decisions using lending policies, business rules, risk assessments, and AI models. Enable straightforward applications to proceed automatically, refer uncertain cases for human review, and support experienced underwriters with clear analysis and recommended outcomes for complex applications. Reduce repetitive manual work while maintaining appropriate oversight and control.
Lending Policy Management
Turn complex lending guidelines, product requirements, and credit policies into explicit, executable decisions. Manage eligibility rules, underwriting criteria, and policy exceptions across multiple lending products and channels. Easily update policies and respond to changing business requirements without extensive changes to existing applications.
Loan Conditions & Document Verification
Automate the assessment and management of conditions attached to loan approvals. Combine document processing, extracted information, business rules, and decision logic to determine whether submitted documents satisfy lending conditions. Automatically clear conditions when requirements are met, request additional information where needed, and refer uncertain or complex cases for human review.
Loan Approval & Exception Management
Automate approval decisions based on borrower eligibility, risk appetite, lending limits, underwriting requirements, and credit policies. Manage conditional approvals, exceptions, referrals, and approval hierarchies while ensuring the right people are involved when human judgment is required. Maintain a clear record of approval outcomes and supporting information.
Mortgage Lending & Refinancing
Support complex mortgage lending decisions across residential, investment property, specialist, and refinancing products. Automate borrower eligibility, serviceability, LTV and DSCR assessments, property-related lending conditions, mortgage underwriting, and refinancing criteria. Apply consistent lending policies while accommodating different borrower profiles, property types, and product requirements.
Risk-Based Pricing & Loan Terms
Determine lending rates, fees, limits, and loan terms based on borrower characteristics, risk assessments, product policies, and pricing models. Apply consistent pricing criteria across different lending products and customer segments while supporting changing market conditions and business strategies.
Data Validation & Lending Workflow
Validate application information at critical stages to identify missing, inconsistent, or inaccurate data before an application progresses. Automate workflow decisions, task routing, referrals, and work prioritization based on business rules, loan status, risk, and operational requirements. Help underwriting and operations teams focus on the applications that require their attention.
Explainable Lending Decisions & Auditability
Understand and explain why every lending decision was made. Trace the rules, policies, data, and calculations behind eligibility assessments, underwriting outcomes, and loan approvals. Identify which requirements were met or failed, compare expected values with actual borrower information, and maintain a complete decision history for audit, compliance, and future review.
CUSTOMER SUCCESS STORY
From Three Months to Just a Few Days
Discover how mLeasing used FlexRule to automate lending decisions and significantly reduce the time required to introduce new financial products.
“In the past we needed three months to introduce new products, but after implementing FlexRule we shortened this to a couple of days…It will only be profitable for our company if the whole process is automated. The FlexRule engine will cover most of the sales and risk decisions in our leasing process.”
― Artur Lipski
mLeasing
3 months to a few days
to introduce new products
Automated decisions
across the lending process
Greater operational efficiency
through end-to-end automation
Ready to Transform Your Lending Operations?
Discover how FlexRule can help your organization automate complex lending decisions, streamline underwriting, and maintain control across the loan lifecycle.
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