Document AI for Lending
Check income documents for edits, read repayment capacity from real transactions and draft the decision with your own credit policy. Your analysts approve every offer.
Tools for lenders
From the first document to a drafted offer, with a person signing off.
How a lending team uses it
Request documents
Courier drafts the email to the borrower with a signed upload link. You review it and send.
Check every file
Ask Seal and it checks the documents in the case for edits, with the evidence for each finding.
Read the cash flow
Ledger turns the statements into monthly credits, balances and risk flags.
Draft and approve
Quill reads the results against your published policy. An analyst approves, changes or rejects.
What lenders check
SME working capital
Net business credits by month, with own-account and related-party transfers kept apart from real revenue.
Consumer loans
Salary credits and existing loan and card repayments, read from the transactions themselves.
US income documents
W-2 tax arithmetic and pay stub totals checked, along with the file history of each PDF.
Credit bureau reports
SIMAH and MOLIM credit reports get their own fraud rules, so an edited report is caught like an edited statement.
Invoice finance
DSO, ageing, buyer concentration and invoices matched to real deposits in the client’s bank transactions.
Many applications at once
Open a batch of cases in Paper OS and follow each one from the same chat.
Related industries
Banking
Statement analysis, fraud checks and company verification for account opening and credit reviews.
BNPL
Affordability from bank statements, ID and fraud checks for customers, and checks on the merchants you onboard.
Fintech
One API for statement analysis, document fraud checks and ID and company verification in your own flows.
How do you want to work with us?
Choose a cloud subscription, an annual software license or a custom implementation.
API Access
API, dashboard and Paper OS in our cloud. Monthly plan plus usage above the limit.
Learn moreSoftware License
Deploy on your servers. Annual license, no per-document fees.
Learn moreBuilt for You
We set the platform up for your documents, rules and systems, from pilot to production.
Learn moreFrequently asked questions
Have a question that is not here?
How do you make sure the numbers are right?
The running balance is checked on every row against the printed balance, and a statement that does not reconcile is returned with the reason. Each metric is marked verified, estimated or unavailable, so the analyst knows what to rely on.
Can we check whether the requested months are covered?
Yes. When submitting a Bank Statement Analysis job through the API, specify the consecutive months you requested. The report is limited to that period and identifies months with no statement.
Do you check US and Saudi income documents?
Fraud Detection has its own rules for W-2 forms and pay stubs, and for SIMAH and MOLIM credit reports and VAT returns.
Who approves the loan?
Your analyst. Quill applies your credit policy and drafts the offer with the numbers behind it. An analyst approves, changes or rejects it.
Can we use only the API, without Paper OS?
Yes. Use the tools over the REST API with API keys. Supported endpoints offer signed webhooks, and Paper OS is optional.
Run a real loan file through it
Bring a few past applications and compare the result with your own analysis.