Use cases
One engine, tuned for every loan book.
From SME working capital to vehicle financing and mortgages - Fineksi turns every credit file into the analytics and insight your credit team decides with.
SME Loan
See the real financial health of a small business from the documents SMEs actually have - bank statements, financial reports, and legal papers.
Documents in the file
- Bank statements
- Financial reports
- Business registration
- Tax returns
- Cash-flow analysis straight from statement transactions
- Financials spread automatically with key ratios
- Legal entity and signing authority verified against registry
Net cash flow · last 12 months
USD 260K
Avg monthly inflow
1.8x
Debt-service coverage
+12% QoQ
Inflow growth
Key insights
- Inflows trend upward in 9 of the last 12 months
- Top-5 buyer concentration is 38% of total revenue
- No bounced cheques or overdraft days detected
Automotive Loan
Give financing teams dealership-speed analytics on identity, income, and installment affordability.
Documents in the file
- Identity card and family certificate
- Payslips
- Bank statements
- Vehicle documents
- Identity cross-checked with the application in seconds
- Income verified against payroll credits on the statement
- Affordability and obligations profiled automatically
Verified income vs proposed installment · 12 months
USD 1.8K
Verified monthly income
28%
Debt-to-income
3 detected
Active obligations
Key insights
- Salary credited consistently on the 25th of each month
- Installment leaves 41% income headroom after obligations
- No delinquency markers found across the credit file
Mortgage Loan
A complete income-stability and obligation profile for underwriters in one pass - days of analysis, not weeks.
Documents in the file
- Identity card and family certificate
- Payslips (24 mo)
- Bank statements
- Property certificate
- 24-month income stability profile from statements and payslips
- Property certificate validated, encumbrances flagged
- Obligations and disposable income mapped over the tenor
Net income vs obligations · last 6 quarters
USD 2.4K/mo
Net disposable income
31%
Obligation ratio
9.5 months
Savings buffer
Key insights
- Income stable across 24 months of payslips and statements
- Savings balance grows 6% quarter over quarter
- Existing obligations fully amortize within the loan tenor
Bring your loan book to Fineksi.
See how Fineksi fits your underwriting workflow in a 45-minute session.
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