The operating system for lenders. Origination, underwriting, documentation and monitoring on one record, and your credit committee signs every decision.
Book a meetinghello@fiducia.creditFrom the borrower’s first document to the signed facility, and the book after it. AI does each step, and one of your people signs at the end of each stage.
One borrower, from the cleared file to a signed committee decision. 5 workflows, then the committee.
5 workflows, then the committeeUnderwriting
Two signers read the verified memo and decide. Nothing is approved until both have signed.
Head of credit and chief risk officerAwaiting signatureEach stage is built to your credit policy and proven on your past files before it goes live.
See this stageWhen a deal stalls, on a borrower who stops replying, a document that never comes or an approval sitting in a queue, Fiducia sees it, knows who owes the move and drafts it. One press and it goes.
Every live deal, on one clock. Oldest first.
Every live deal, on one clock. Oldest first.
Stuck at Documents for 9 days.
Due diligence, clock 5.
Statements read, figures spread, the memo drafted and every figure verified. Your committee reads one paper and decides.
Thirty minutes. Nothing to prepare.
The 2025 accounts are management drafts, signed by the director and not audited.Financial statementsPage 3Audit statusNot audited
Facing borrowers, you decide faster with every reason on file. Facing funders, you show the book, every loan with its decision behind it, and raise your next facility on that record.
Every document read, every rule applied and every signature, kept once and shown to both sides.
Their judgment is written into the rules, so every file is read their way, including the ones they never see.
A document that lands at midnight is checked against the file before anyone is awake. By morning, the file is ready for a decision.
Every run keeps the documents it read, the rules it applied and who signed. When a funder or an auditor asks why, you show them the run.
Every decision on record is a loan a funder can check, so your book can be shown, not just described.
We bring one system for the credit process and a team on your floor to put it in, one stage at a time. Nothing goes live until it decides your past files the way your committee did.
We build it with your people, prove it on your hardest cases, then leave your team able to run it.
See how we deploy
Your cloud or ours, your keys, your models. Every action recorded, nothing sent unsigned.
See securityThe same system under every one. The work on top follows how your credit team decides. It also runs the business desks of mid-size banks and finance companies.
