Our lender origination flow is running today as a production-grade demo. A voice agent qualifies the borrower, checks eligibility against your rules, walks through the offer and collects documents, switching between English, Hindi and Hinglish mid-sentence. The offer itself stops at the write gate until your policy or your credit officer clears it.
Meri kirana shop hai. Diwali se pehle stock ke liye do lakh chahiye.
Bilkul, main help karti hoon. Aapke UPI collections GPay pe aate hain? Consent dein to main last six months ka data check kar sakti hoon.
Applications are often lost between the first click and the first document. Our agents keep borrowers moving through that gap, at the hour they choose and in the language they think in.
A call back within minutes of an enquiry, asking the few questions that decide whether to proceed. Why it matters: hot leads are reached while they are still hot.
Income, turnover and bureau signals read through your APIs with consent, then matched to your product rules. Why it matters: borrowers hear a clear answer instead of waiting days.
Amount, tenure, rate and total cost explained in plain words, with the key fact statement sent before acceptance. Why it matters: borrowers who understand the offer are less likely to complain or default.
Reminders for the missing PAN, GST return or bank statement, with a secure upload link. Why it matters: fewer files stall in the incomplete queue.
A payment request or UPI AutoPay mandate sent to the borrower’s GPay while they are still on the line. Why it matters: set-up happens in one call, not a separate visit.
Inbound calls answered with the live status from your loan system. Why it matters: your sales team stops spending the day on “where is my loan”.
A welcome call that confirms the repayment date, amount and method. Why it matters: borrowers who know exactly what happens next are less likely to miss the first payment.
Outbound offers to eligible existing borrowers, inside consent and frequency rules. Why it matters: repeat lending without paying to acquire the borrower again.
When a payment is missed, our collections flows take over with the same record. Why it matters: one borrower history from origination to recovery.
For Indian lenders, Spine is designed to support the DPDP Act and RBI expectations on fair practices and digital lending. For US lenders, the same controls support fair lending and disclosure obligations, TCPA rules on outbound calls and GLBA privacy.
Instant call backs, eligibility, document chasing, status updates and UPI set-up, in English, Hindi and Hinglish.
Offers, exceptions and complex cases go to a named officer with the conversation, the consent record and the documents in one place.
High-value or hesitant borrowers are handed to a relationship manager in LiveAssist, who picks up mid-conversation.
Natural Indian voices, barge-in and code-switching between languages on the same call.
In the demo the agent checks eligibility, explains the offer, sets up UPI through GPay and hands the file to a credit officer for approval. Bring your own product rules and we will adapt it.