Lending
Lumen Credit
An SME loan decision in nine minutes
- Sector
- Lending
- Location
- Dubai, UAE
- Year
- 2025
- Kickoff to production
- 18 weeks
Statement-driven underwriting that reads a business the way a good credit officer would, and shows its reasoning.
Underwriting a small business took six days of reading PDF bank statements by hand. Two officers could reach different answers on the same file, and nobody could reconstruct why a loan was declined six months later.
- 01
Statements into cashflow
Bank statements are parsed into a normalised cashflow view (revenue quality, seasonality, salary runs, bounced payments) regardless of which bank produced them.
- 02
Policy as code
Credit policy lives in a versioned rules engine, so a change is reviewed, dated and replayable against past decisions before it goes live.
- 03
Every decision defensible
The reviewer console shows the factors behind each score with the underlying transactions one click away.
Approvals move without loosening risk, and the credit committee finally reviews policy rather than individual files.
What changed
- Time to decision
- Minutes
- Reason on every decision
- Written
- Risk unchanged
- Same policy
Stack
- Python
- Postgres
- LangGraph
- Next.js
- AWS Textract
Disciplines applied
- AI solutions
- Financial technology
- Data & analytics
