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How the products connect

Select a product to see what it reads and what it feeds.

1 FIND2 APPLY3 READ4 DECIDE5 CONTRACT6 RUN7 WATCHTHROUGHOUT Growth → Apply: The funnel applications come through. Portal → Growth: Reminders go only where the messaging rules allow. Compare → Broker: The same products, costed the same way. Identity → AML: The identification record, for due diligence. Apply → Decisioning: The answers, for the policy’s conditions. Apply → Intent: Declared against observed, for candour. Apply → Compliance: Evidence the inquiries were made. Intake → Statement: Transactions by consent, not upload. Enrich → Statement: Each transaction’s category and payee. Statement → Capacity: Income, commitments and expenses. Statement → Apply: What the account shows, beside what was declared. Statement → Decisioning: The reading and its signals. Statement → Intent: Other lenders paid, and dishonours. Statement → Collections: What the borrower can afford now. Capacity → Apply: Declared figures through the same arithmetic. Capacity → Decisioning: Surplus and ratios, for the thresholds. Capacity → Intent: The surplus at assessment. Small Amount → LoanManager: The fee caps the ledger checks. Documents → LoanManager: No contract before the documents are given. LoanManager → Payments: The day’s debits. Payments → LoanManager: Dishonours, as reversals. Payments → Intent: A stopped payment, as a signal. LoanManager → Portal: The borrower’s view of the same figures. LoanManager → Credit Reporting: Repayment history, month by month. LoanManager → AML: Transactions to monitor. LoanManager → Intent: How the account has actually been run. Collections → Complaints: The hardship periods a complaint runs on. Small Amount → Compliance: The provisions it produces evidence for. Collections → Compliance: The provisions it produces evidence for. LoanManager → Compliance: The provisions it produces evidence for. Apply → Record: The reasonable inquiries record. Decisioning → Record: Each policy version. Broker → Record: The best interests file. Collections → Record: The written reasons. LoanManager → Record: The answers, on the form version they were given on. Documents → Record: Every document version. Operations → Record: The file’s conclusion, in the words Record keeps. Privacy → Record: The disposal certificate. Creditcrest GrowthGrowth Creditcrest CompareCompare Creditcrest BrokerBroker Creditcrest ApplyApply Creditcrest IdentityIdentity Creditcrest IntakeIntake Creditcrest EnrichEnrich Creditcrest StatementStatement Creditcrest CapacityCapacity Creditcrest DecisioningDecisioning Creditcrest AMLAML Creditcrest Small AmountSmall Amount Creditcrest DocumentsDocuments Creditcrest LoanManagerLoanManager Creditcrest PaymentsPayments Creditcrest PortalPortal Creditcrest Credit ReportingCredit Reporting Creditcrest IntentIntent Creditcrest CollectionsCollections Creditcrest RecordRecord Creditcrest ComplianceCompliance Creditcrest OperationsOperations Creditcrest ComplaintsComplaints Creditcrest PrivacyPrivacy
feedsreadsgateColumns run in the order a loan takes; products in one column share a stage.

24 products · 38 connections

Pick any product

Its inputs and outputs light up, and each is explained here.

Find

Growth

Measure the right progress.

Reads

  • Portal gateReminders go only where the messaging rules allow.

Feeds

  • ApplyThe funnel applications come through.
Open Growth →

Find

Compare

Compare the whole cost.

Reads

Nothing from another product.

Feeds

  • BrokerThe same products, costed the same way.
Open Compare →

Find

Broker

Keep the reasoning.

Reads

  • CompareThe same products, costed the same way.

Feeds

  • Record sealedThe best interests file.
Open Broker →

Apply

Apply

Questions with a record.

Reads

  • GrowthThe funnel applications come through.
  • StatementWhat the account shows, beside what was declared.
  • CapacityDeclared figures through the same arithmetic.

Feeds

  • DecisioningThe answers, for the policy’s conditions.
  • IntentDeclared against observed, for candour.
  • ComplianceEvidence the inquiries were made.
  • Record sealedThe reasonable inquiries record.
Open Apply →

Apply

Identity

Know what was verified.

Reads

Nothing from another product.

Feeds

  • AMLThe identification record, for due diligence.
Open Identity →

Read

Intake planned

Connect with consent.

Reads

Nothing from another product.

Feeds

  • StatementTransactions by consent, not upload.

Read

Enrich

Every match has a reason.

Reads

Nothing from another product.

Feeds

  • StatementEach transaction’s category and payee.
Open Enrich →

Read

Statement

Follow every figure.

Reads

  • IntakeTransactions by consent, not upload.
  • EnrichEach transaction’s category and payee.

Feeds

  • CapacityIncome, commitments and expenses.
  • ApplyWhat the account shows, beside what was declared.
  • DecisioningThe reading and its signals.
  • IntentOther lenders paid, and dishonours.
  • CollectionsWhat the borrower can afford now.
Open Statement →

Read

Capacity

See the arithmetic.

Reads

Feeds

  • ApplyDeclared figures through the same arithmetic.
  • DecisioningSurplus and ratios, for the thresholds.
  • IntentThe surplus at assessment.
Open Capacity →

Decide

Decisioning

Your policy. Replayable.

Reads

  • ApplyThe answers, for the policy’s conditions.
  • StatementThe reading and its signals.
  • CapacitySurplus and ratios, for the thresholds.

Feeds

  • Record sealedEach policy version.
Open Decisioning →

Decide

AML

Due diligence, documented.

Reads

Feeds

No other product.

Open AML →

Contract

Small Amount

Costs in dollars and dates.

Reads

Nothing from another product.

Feeds

Open Small Amount →

Contract

Documents

The right version, in order.

Reads

Nothing from another product.

Feeds

  • LoanManager gateNo contract before the documents are given.
  • Record sealedEvery document version.
Open Documents →

Contract

LoanManager

A ledger that tells the story.

Reads

Feeds

  • PaymentsThe day’s debits.
  • PortalThe borrower’s view of the same figures.
  • Credit ReportingRepayment history, month by month.
  • AMLTransactions to monitor.
  • IntentHow the account has actually been run.
  • ComplianceThe provisions it produces evidence for.
  • Record sealedThe answers, on the form version they were given on.
Open LoanManager →

Run

Payments

Movement with a record.

Reads

Feeds

Open Payments →

Run

Portal

One account. A clear view.

Reads

Feeds

  • Growth gateReminders go only where the messaging rules allow.
Open Portal →

Run

Credit Reporting

Report from the ledger.

Reads

Feeds

No other product.

Open Credit Reporting →

Watch

Intent

Signals you can inspect.

Reads

  • ApplyDeclared against observed, for candour.
  • StatementOther lenders paid, and dishonours.
  • CapacityThe surplus at assessment.
  • PaymentsA stopped payment, as a signal.
  • LoanManagerHow the account has actually been run.

Feeds

No other product.

Open Intent →

Watch

Collections

Dates. Reasons. Next steps.

Reads

Feeds

  • ComplaintsThe hardship periods a complaint runs on.
  • ComplianceThe provisions it produces evidence for.
  • Record sealedThe written reasons.
Open Collections →

Throughout

Record

Sealed. Then append-only.

Reads

  • Apply sealedThe reasonable inquiries record.
  • Decisioning sealedEach policy version.
  • Broker sealedThe best interests file.
  • Collections sealedThe written reasons.
  • LoanManager sealedThe answers, on the form version they were given on.
  • Documents sealedEvery document version.
  • Operations sealedThe file’s conclusion, in the words Record keeps.
  • Privacy sealedThe disposal certificate.

Feeds

No other product.

Open Record →

Throughout

Compliance

Show what opens the gate.

Reads

Feeds

No other product.

Open Compliance →

Throughout

Operations

Every handover is visible.

Reads

Nothing from another product.

Feeds

  • Record sealedThe file’s conclusion, in the words Record keeps.
Open Operations →

Throughout

Complaints

Every complaint accounted for.

Reads

Feeds

No other product.

Open Complaints →

Throughout

Privacy

Make data duties visible.

Reads

Nothing from another product.

Feeds

  • Record sealedThe disposal certificate.
Open Privacy →