The task
What problem does this idea solve?
Alternative lenders need liquidity, while investors can only assess loan portfolios when payment schedules, risks and events are standardised.
Reference H7-094
Invest in loans transparently and flag deviations
An API-based platform ingests loans from various originators, calculates payment and return profiles, and uses AI for document review, risk clustering and portfolio monitoring. In practical terms, it handles these core tasks: Import loan data from various originators via API; Calculate repayment and return schedules; Record payments and credit events. The result is a faster, more transparent, and more reliable process.
The solution concept
What will be built?
An API-based platform ingests loans from various originators, calculates payment and return profiles, and uses AI for document review, risk clustering and portfolio monitoring.
Feature set
What the solution can do
Import loan data from various originators via API
Calculate repayment and return schedules
Record payments and credit events
Cluster portfolios by risk and term
Monitor deviations and buybacks
Automatically generate and send investor reports
Target users
Who works with it
- Alternative lenders and loan platforms
- Institutional and professional investors
- Portfolio, risk & operations teams
Outcome
What it delivers
- Traceable portfolio and return calculations
- Current accounts, events and risk clusters
- Machine-readable and human-understandable reports
Capabilities
What this AI tool can do
- 1
Define the loan product and data requirements
- 2
Import loans and events from originators
- 3
Calculate payment schedules, returns and risks
- 4
Review deviations and update the portfolio
- 5
Issue reports and notifications to investors
Inputs and data
What the solution processes
- Loan agreements, instalment plans and payment events
- Product parameters, fees and buyback rules
- Originator, creditworthiness and portfolio data
Integrations
Which systems are connected
- Lender APIs
- Financial model, database and document review
- Email, spreadsheet export and investor portal
How to get this tool
Your options
We can build this AI tool for you, tailored precisely to your requirements. We apply the experience already gained from similar tools in this field. Contact us now for a no-obligation product consultation.
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