M00
Platform Spine
Auth, roles, audit, events, files, design system — the foundation everything else plugs into.
R1 · Lend
M01
Instant-Quote Public Website
A fast, trustworthy marketing site that turns a Companies House number into a personalised quote.
M02
60-Second Soft Quote (Eligibility Checker)
A no-footprint, personalised indicative offer in under a minute.
M03
Smart Application
Zero-document by default, autosaving, multi-director, with an optional conversational mode.
M04
Borrower Hub & Document Vault
One home for applications, loans, documents, messages and actions.
M05
Companies House Intelligence
Company truth on tap, plus live monitoring of every borrower.
M06
Open Banking & Cashflow Intelligence
Connect a bank in 30 seconds; get an underwriter-grade cashflow picture instantly.
M07
Identity, KYB / AML & Credit Bureau
Every check, every provider, one normalised result with a clear pass / refer / fail.
M08
Policy Studio
No-code credit policy, scorecards and pricing — with simulation before you publish.
M09
Underwriter Cockpit
Single-screen decisioning: everything an underwriter needs, nothing they don't.
M10
AI Workforce
Named AI agents that do the grunt work, cite their evidence, and never make the final call.
M11
Offers, Agreements & E-Sign
From approval to signed agreement in one sitting.
M12
Instant Funding
Signed at lunch, funds in the account before coffee.
M13
Loan Servicing, Ledger & Repayments
A double-entry heart that is always right to the penny.
M14
Always-On Compliance
Compliance as a live dashboard, not a quarterly scramble.
M15
Super Admin & Lending Studio
Run the whole business configuration without a developer.
M16
Notifications & Comms Engine
Every email, SMS, push and in-app message from one event-driven, template-driven engine.
R2 · Scale
M17
Command Center & Reports
The control room: what needs attention today, and how the book is really doing.
M18
Predictive Collections
Spot trouble 30 days early; treat customers fairly; recover more.
M19
Growth Engine: Top-ups & Renewals
Turn great borrowers into repeat borrowers — in one tap.
M20
Native Mobile Apps (iOS & Android)
The whole borrower relationship in your pocket, with biometric login and camera-first docs.
M21
Borrower Copilot & Business Health Score
A finance co-pilot that makes borrowers stickier — and safer.
Cross-cutting
M22
DevOps, Security & Reliability
In lending, uptime and security are product features.
M23
QA, UAT, Launch & Handover
Prove it works, prove it's safe, then hand over a system anyone can run.
- No user-facing screens
R3 · Horizon
H1
Partner & Broker Portal + Embedded Lending API
Distribute credit everywhere SMEs already are.
H2
Flexible & Revenue-Based Repayments
Repayments that breathe with the business.
H3
Portfolio Stress Testing & Funder Reporting
Show funders you know your book better than they do.
H4
Accounting Integrations
Xero, QuickBooks, FreeAgent, Sage — management accounts without asking.