Justransform
Vertical Capability Pack

Lending

SAIL combines authoritative data sources, document workflows, risk checks and committee approvals into one governed lending platform. We pull from the registries and bureaus underwriting depends on (Companies House, Land Registry, credit bureaus, open banking) and wire in identity, AML/KYC and e-signature — producing deterministic, explainable decisions with adverse-action capture.

Supported technologies

We speak the Lending stack.

Representative, not exhaustive — enough to show we know the vertical and have run it in production.

Standards & transactions

Companies HouseLand RegistryEPCPlanning / zoningCredit bureausOpen bankingAML / KYCSanctions / PEP

Connectors & systems

OnfidoComplyAdvantageOpen-banking aggregatorsE-signatureLTV / DSCR & sanctions-hit workflow
Pack accelerators

What you can build.

Loan-origination platform
Broker & borrower portal
AML / KYC workflow
Valuation & due-diligence
Committee-approval pack
Covenant & portfolio monitoring
Canonical model

The objects we govern.

Define each once; every message becomes a governed, queryable, replayable, auditable record.

BorrowerDirectorBeneficialOwnerCompanyProperty / AssetLoanApplicationFacilitySecurityValuationCovenantCommitteeDecisionOfferDrawdownRepayment
Scope · Deterministic, explainable credit decisions with adverse-action capture and human approval gates.
Begin

See Lending generated.