Credit Intelligence
Credit decisions institutions can explain
Speed can add Credit Intelligence as a paid product line: segment-aware scoring for loans, cards, and facilities, on top of core digital lending.
What you pay for
- Segment-aware scoring for loans, cards, working capital, and facilities
- Approve, refer, or decline with factor lists and policy versioning
- Loan soft-gate: declines need an audited override to approve
- Virtual-card soft daily limits from card eligibility
- Revolving facilities: open, draw, repay, freeze, close, interest accrual
- Optional bureau enrichment beside internal signals
- Staff AI brief and adverse-action style notifications
Individuals
Qualify customers for personal loans and credit cards with transparent score bands.
- KYC-gated decisions
- Tenure and debt service factors
- Clear approve / refer / decline
Retailers
Working capital and merchant cash-flow facilities sized to turnover and risk.
- Retailer segment path
- Working-capital product type
- Underwriter referral when borderline
Institutions
Facility sizing for corporates and partners with committee-ready rationales.
- Institutional segment
- Facility product type
- Auditable policy version on every decision