Fintech Lending Platform

A UK fintech lender was drowning in manual loan applications taking 4–5 days each and could not scale past 200 applications per week. TroopIQ built an AI-powered credit decisioning engine, a mobile-first applicant portal, and a streamlined analyst dashboard — cutting approval time from 5 days to under 5 minutes and enabling a 3× increase in volume without adding headcount.

A UK fintech was processing loan applications manually, with each decision taking 4–5 days. High applicant drop-off and an inability to scale past 200 applications/week were threatening the business.

We built an AI-powered credit decisioning engine with bureau integrations, a mobile-first applicant portal, and a streamlined analyst dashboard — replacing a 12-tab spreadsheet workflow.

Loan approval time cut from 5 days to under 5 minutes, enabling a 3× increase in application volume without adding headcount.

A UK-based digital lending startup was processing personal loan applications manually — credit analysts reviewed each file individually, cross-referencing bureau data, bank statements, and employment records. The average decision time was 4–5 days, resulting in high applicant drop-off and inability to scale past 200 applications per week.

The business needed a platform that could automate underwriting decisions, integrate with credit bureaus and open banking APIs, and deliver a decision in under 5 minutes — without increasing the rate of bad debt. They also needed to reduce infrastructure costs while handling aggressive growth targets.