Credit Engine · Automated credit assessment
Three documents in.
A clear answer out.
No more reading forty pages of bank statement by hand and hoping you spotted everything. Upload, and the analysis comes back while the client is still sitting in front of you.
For microlenders, cash loan businesses, furniture stores, car dealerships and retailers selling on account.
Upload the documents
VantiPay reads them
Income, spending patterns, existing obligations and repayment history are pulled out and checked against each other.
You get the analysis
A qualification result you can act on, saved to the client's file so the reasoning is still there months later.
Why it matters
Same question, same standard, every time.
A tired clerk at half past four assesses differently from a fresh one at nine. The Credit Engine doesn't.
- Assess in minutes instead of an afternoon
- Every applicant judged on the same criteria
- Catch what a quick read of a statement misses
- The analysis stays attached to the loan it approved
- A written record of how the decision was reached
Illustrative output. VantiPay produces a decision-support analysis — the credit decision remains yours.
Questions
What lenders ask first.
Does it make the lending decision for me?
No. It produces an affordability analysis — disposable income and a qualification result — and saves it to the client's file. The decision stays with you, which is also what the National Credit Act requires of a registered credit provider.
Which documents does it need?
A recent bank statement, a payslip and a credit report. The more complete the set, the more the analysis has to work with.
What happens to the documents afterwards?
They're sent over an encrypted connection and kept against that client's record, separate from every other business on the platform, so you can show your working later.
Can I use it without the rest of VantiPay?
Yes. The Credit Engine works on its own. It just works better next to VantiScan and the Loan Management System, because the analysis follows the client through to the loan.
Stop guessing at affordability.
Quoted to how you actually operate, not to a package someone else designed.