A small-business loan application rebuilt around ten minutes
A progressive loan application and one console for underwriters.
- Client
- Ledgerline (concept)
- Industry
- Fintech
- Timeline
- 20 weeks
- Platforms
- Responsive web, Underwriter console
- Services
- Web DevelopmentUI/UX Design
A competitive lender with an uncompetitive application: a long paper-style form, then days of chasing documents. We rebuilt it around verified bank data and a single underwriting console.
The challenge
Fewer than half of applicants finished — and those who did waited a week.
A 38-field first step
Owners had to look up figures before they could start.
Document chasing
Statements and ID arrived by email and were checked by hand.
Three systems per case
Underwriters re-keyed data between tools.
Mobile drop-off
Most traffic was mobile, where the form was hardest.
Our solution
A short, progressive application backed by verified data.
Progressive steps
Six short steps with autosave across devices.
Bank data, not statements
Open banking pre-fills turnover and cash flow.
Underwriter console
Verified data, risk flags and decisions in one view.
Rules for simple cases
Straightforward applications decided instantly.
Outcomes
25→10 min
Application time
3→1
Systems per case
40%
Instant decisions
AA
WCAG 2.2 level
The fastest credible answer for an owner who needs one this week.
Technology
- Next.js
- TypeScript
- NestJS
- PostgreSQL
- Open banking APIs
- AWS ECS
- Terraform
Driver app and dispatch console for same-day delivery
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