Business expert agents. Ready to get to work. Day one.

Solutions / SAIL for Lending

Every application complete.
Every borrower verified.
Every covenant watched.

From enquiry to drawdown to repayment.

Onboarding, due diligence, valuation, credit, committee, funding and portfolio monitoring. SAIL connects brokers, borrowers, registries, bureaus, valuers and your loan systems as they are. Every decision is explainable, every approval is gated, and every covenant is tested from the same governed record.

Book a demo →See it resolve

Everyone has AI. So do we.

Shave months off the build.
Activate SAIL on day one.

No replacement. No migration project. No pre-cleaning.

Every source connected.

Brokers, borrowers, company and land registries, bureaus, open banking, valuers and screening providers.

Every application tracked.

Borrower, owners, security, valuation and conditions in one file, with every gap visible.

Every facility monitored.

Covenants, financial reporting, insurance and drawdown conditions, tested on schedule.

Every decision governed.

Data gaps closed automatically. Credit and compliance decisions stay with authorised people.

Who’s using SAIL

Everyone has AI. So do we.

You have AI. We have AI.
Who builds the better lending product?

The models are the same for everyone. Everyone has agents. What matters is what those agents know. Every SAIL agent carries 14 years of solved lending problems, so AI builds a product shaped to your business outcome, not a generic one.

Everyone has agents. Ours are battle-tested lending SMEs. Skip months of rebuilding what they already know.

The latest AI modelsEveryone

Agent frameworks & toolingEveryone

14 years solving lending, in productionOnly SAIL

A product built for your business outcomeLive in days

What our lending agents already know

OriginationOnboardingDue diligenceCredit & committeeFunding & drawdownPortfolio monitoringCompanies HouseLand RegistryEPCPlanning / zoningCredit bureausOpen bankingIdentity verificationKYB / beneficial ownershipSanctions / PEPAML screeningAdverse-action captureFacilitySecurityValuation

Always the perfect fit

A wrapper around your systems.
Whatever they look like.

However fragmented your landscape, wherever it runs and however old or new the technology, SAIL connects to it as it is. It becomes a perfect-fit wrapper around your systems, then switches on every lending value-add service, AI-powered analytics and efficiency tool, instantly and on top of what you already run.

~~Data cleansing~~Not required
~~Migration or replacement~~Not required
~~IT work on your side~~Not required
The whole, delivered the way you need itDay one

Activated instantly for lending

OnboardVerifyAssess securityDecide & fundMonitor

SAIL · the perfect-fit layer

ConnectContextualiseRulesObserveResolve

Your systems, exactly as they are

Borrowers & brokersRegistries & dataIdentity & complianceValuers & solicitorsCredit & committeeServicing & finance

Old · new · internal · external · every partner

↓ Delivered as one whole that suits your need: applications · partners · teams · AI

14+Years in production

99.99%Uptime SLA

24×7Support included

Connect instantly across

Your whole network.
Systems stay in place.

SAIL links every participant’s data to the process it serves, in the format and protocol each one already uses.

Borrowers & brokers

Applications · documents · financials

Registries & data

Companies · land · EPC · planning

Identity & compliance

KYC · KYB · sanctions · PEP

Valuers & solicitors

Valuations · due diligence · security

Credit & committee

Credit papers · approvals · offers

Servicing & finance

Drawdowns · repayments · covenants

From enquiry to drawdown to repayment.

Every step of the lending lifecycle.

A few high-impact places to start. Each runs on the same connected data, rules and resolution cycle.

Onboard

A complete application, the first time.

Give brokers and borrowers one portalApplications, documents and conditions, with clear status for every party.

Collect documents by checklistRequired documents set by product and deal type, chased automatically.

Extract financialsStatements, accounts and rent rolls captured into the canonical file for an analyst to confirm.

Pull open-banking dataAccount data retrieved with the borrower’s consent, not retyped.

Verify

Know exactly who you are lending to.

Verify identityDirectors and guarantors checked through your identity provider.

Map beneficial ownersCompany registry data traced through holding structures to the people who control them.

Screen every partySanctions, PEP and adverse-media checks. Every potential match goes to compliance.

Re-screen on changeNew officers or owners trigger fresh checks, automatically.

Assess security

Due diligence without the chase.

Pull property dataLand registry title, EPC rating and planning history, attached to the asset.

Run the valuation workflowInstruct valuers from your panel, track turnaround and capture the report.

Calculate LTV and DSCRPublished, versioned formulas applied to the verified figures.

Track conditions precedentEvery condition has an owner, evidence and a status.

Decide & fund

Explainable decisions. Clean funding.

Assemble the committee packCredit paper, risk metrics and evidence, built from the application file.

Gate every approvalDelegated authority and committee approvals enforced, with adverse-action reasons captured.

Generate term sheets and offersApproved terms published to versioned documents, ready for e-signature.

Release by funding checklistDrawdown released only when every condition is evidenced.

Monitor

Spot covenant stress before it becomes a breach.

Test covenants on scheduleDSCR, LTV, interest cover and leverage, tested against each facility’s terms.

Chase reportingCompliance certificates, accounts and insurance evidence, requested and tracked.

Raise early warningsHeadroom trends and missed reports, flagged before a test date.

Reconcile repaymentsRepayments and drawdowns matched to the schedule and the ledger.

Control tower

See what failed. See why.
See what was fixed.

One view joins failure groups, governed actions, holds and backend verification. Every record is accounted for.

SAIL CONTROL TOWERLending

Portfolio covenant run · 1,000 facilities

Live

1,000Facilities tested

820Compliant first pass

110Data refreshed & retested

70Referred to credit / compliance

Scope	Finding	Action	Outcome
Company data · 50	Officer or owner change detected	Refresh registry; re-screen	50 retested
Financials · 40	Compliance certificate not captured	Extract; analyst confirms	40 retested
Insurance · 20	Policy evidence expired	Borrower portal request	20 received & retested
DSCR · 45	Below covenant minimum	Relationship and credit review	45 referred
Screening · 25	Possible sanctions / PEP match	Compliance specialist review	25 referred

Original retained→Cause identified→Correction staged→Revalidated→Backend verified

Illustrative data. Your rules, approval policy and systems define the actual outcomes.

Close the data gaps. Escalate the real risks.

Before

180 facilities flagged in spreadsheets and inboxes
Data gaps and genuine breaches mixed together
Breaches found after the test date, with no time left to act

With SAIL

930 facilities confirmed compliant with evidence
70 real risks with an owner and a deadline
Every test traceable to its figures and covenant version

01CollectLoad 1,000 facilities with their covenants and reporting.

02ExplainSeparate 110 data gaps from 70 credit and compliance risks.

03RefreshClose the gaps from registries, borrowers and analysts, then retest.

04EscalateRefer 70 cases with evidence. Credit and compliance decide.

Exception handling

Auto-correct. Hybrid. Manual.
You define the cycle.

Recovery closes only with backend evidence. AI proposes. Your policy authorises.

Auto-correct

When the fix can be proven from an authoritative source (a lookup, a master record, an approved mapping), SAIL corrects it, revalidates it and releases it. No touch, full evidence.

For exampleA change of director at Companies House is picked up, the company record is refreshed and the new officer is screened automatically, with the evidence recorded: 50 of 50.

Hybrid

SAIL stages the correction with the evidence. Your team approves it in one step, for a single record or a whole cohort.

For exampleFigures extracted from a compliance certificate are staged next to the source document. An analyst confirms them, then the covenant test reruns.

Manual

When judgement is needed, the record is held, owned and routed to the right expert with its cause, impact and SLA clock. Nothing is invented.

For exampleA DSCR breach or a possible sanctions match goes to an authorised credit or compliance owner. SAIL never approves credit, waives a covenant or clears a screening hit.

Detect→Explain→Act→Revalidate→Verify

Continuous observability

Observe every step.
Measure every outcome.

Your data. Your rules. Your process. Your exceptions. Your recovery specifications.

Data elements

Completeness, source, freshness and extraction confidence

Business objects

Borrower, owner, security, facility and covenant integrity

Credit policy

LTV, DSCR, delegated authority and condition rules

Process SLAs

Application age, valuation turnaround and reporting deadlines

Exceptions

Cause, owner, approver, headroom and age

Decision evidence

Who decided, on what data, under which policy version

Coverage

Broad connectivity.
Precise process context.

Standards, technologies, entities and workflows, natively supported and configured to your environment.

Lifecycle

OriginationOnboardingDue diligenceCredit & committeeFunding & drawdownPortfolio monitoring

Data sources

Companies HouseLand RegistryEPCPlanning / zoningCredit bureausOpen banking

Identity & compliance

Identity verificationKYB / beneficial ownershipSanctions / PEPAML screeningAdverse-action capture

Credit objects

FacilitySecurityValuationCovenantOfferRepayment

Technology & formats

REST / webhooksSFTP / MFTMISMO / JSON / XMLPDF / OCRE-signature

Governance

Delegated authorityHuman approval gatesVersioned credit policyFunding checklistAudit lineage

Prove it

Bring your hardest cases.

We run these against your own data. Each has one correct answer, and SAIL gets it the same way every time.

Covenant run

1,000 facilities: 820 compliant, 110 data gaps, 70 real risks.

930 confirmed + 70 referred = 1,000.

Ownership change

A new controlling owner appears at the company registry.

Re-screened; no prior clearance carried forward.

Incomplete funding

A drawdown is requested with one condition unevidenced.

Funds held until the condition is met.

Decline

An application fails the published credit policy.

Reasons recorded; the same inputs give the same outcome.