Floowed/Platform

The platform behind every loan decision.

The Decisioning Canvas is where your lending policies live: visually composed, plain-English editable, auditable end-to-end. Policy checks, fraud flags, scoring (yours and the bureau’s), risk indicators, approval thresholds, and routing. Snap them together, run on real loans, edit live as your risk appetite evolves.

Lending templates8+
Time to first decisionMinutes
PricingFrom $399/mo
Decisioning CanvasConsumer auto · Lending policy
Live
Decisioning Canvas: visual policy with extractors, validators, and decision nodes connected end-to-end
Signature capabilities · credit

The checks even infinite time wouldn’t help with.

Three capabilities our customers cite first: catching manipulated documents, cross-checking physical evidence against the paperwork, and reading the room on every entity and director before you lend.

01 · Fraud & document manipulation

Catch the statement that shouldn't pass.

Font shifts. Arithmetic that doesn't reconcile. Round-number deposits timed to the application window. We score every page on layout, math, and pattern.

Bank statement · Feb 2026Manipulation score 0.82
03/02Payroll credit+$48,200.00
07/02Deposit, cash+$150,000.00font shift
12/02Deposit, cash+$200,000.00round # pattern
15/02Utility · Electric−$4,812.50
19/02Running balance$487,612.50math off by $200
▪ layout · ▪ arithmetic · ▪ timing · ▪ cross-bank compare
02 · Physical evidence cross-check

The text on the document. The evidence in the photo. They have to match.

Whatever the doc claims, check it against the actual evidence. Vehicle title text against a chassis photo. Utility bill against a meter photo. Passport MRZ against a selfie. Invoice line items against a delivery photo.

Title
VINJHMFA36208S024971
BrandHonda Civic
ColorSilver
Year2019
Chassis photo
MODELCIVIC
VIN
JHMFA36208S024971
VEHICLE IDENTIFICATION NO.
Honda Motor Co., Ltd.
Made in Japan
✓ Match
Vehicle photo
Silver Honda Civic
✓ Honda Civic · Silver
Auto cross-check
VIN text vs photomatch
Brand + modelmatch
Colormatch
CR issue datevalid
Encumbrancepending
Example shown: automotive · works for any declared-vs-evidence workflow
03 · Entity sentiment & background check

Read the room on every entity and director.

Background checks against public data: web, news, registries, SEC filings, court records, and open social. Every entity and director on the application, scored, sourced, and cited.

Acme Trading Corp.
SEC Reg. No. CS202400881 · Taguig, MM
72sentiment
Registry · SECActive, filings currentsec.gov.ph
Court records1 civil case, 2023 · dismissedjudiciary.gov.ph
News · 2024–26Neutral press, industry mentions3 sources
Director · J. Dela CruzAlso director of 2 other active cos.registry cross-ref
Open webNo adverse signalsweb, social, reviews
▪ SEC · ▪ court · ▪ news · ▪ web · ▪ social · ▪ cross-ref
All three capabilities are available across Floowed plans. See pricing.
Manual vs Floowed

The checks a sharp credit officer wishes they had time to do. On every application.

Same SME application. Side-by-side: what gets checked, and how long it takes.

Intake & extraction

Step
Manual underwriting
With Floowed
Document intake
Analyst eyeballs quality, emails back for re-uploads
Accepts scanned, photographed, mixed-quality. Flags missing schedules
Bank statement parsing
Re-keys 6–12 months across multiple accounts into Excel
Parsed in seconds. Any bank, any format, multi-account consolidated
Financial statement spreading
3 years of P&L / balance sheet / cash flow spread by hand
Spread automatically, ratios computed

Risk checks

Step
Manual underwriting
With Floowed
Three-way revenue match
Audited financials vs. tax filings vs. bank deposits, rarely reconciled
Reconciled across all three; gaps flagged
Customer concentration
Top-customer % of deposits, manually if at all
Computed from bank statement counterparties
Round-trip / related-party flows
Circular transfers between related entities, invisible
Detected from counterparty patterns
Existing debt discovery
Borrower’s debt declaration taken at face value; loan repayments to other lenders buried in 12 months of transactions
Detects loan repayments in bank statements; surfaces undisclosed lenders and debt stacking the bureau missed
Document tampering
Not checked. Humans can’t see font shifts on financial statements
Detects font/kerning shifts, edited PDFs, inconsistent metadata

Compliance & verification

Step
Manual underwriting
With Floowed
Credit bureau checks
Manual login per bureau, per entity and per director; results copy-pasted
Auto-pulled for the SME and every director; integrated directly into policy
Director cross-reference
Maybe a search engine query per director
Company registry filings across multiple entities, court records, sanctions, PEP
Beneficial ownership chain
Read shareholder filings once, hope they’re current
Resolved across linked entities; ultimate owner surfaced
Cross-document consistency
Visually compared, name typos and address mismatches slip through
Name, address, DOB, ID matched across every document with policy-driven tolerance
Workflows · ready to run

The workflows are already built. Pick one. Run it today.

Run on the documents listed, and more. Adapt each one to your exact policy on the Decisioning Canvas.

FLW-LEN-01Flagship

SME underwriting

Full underwriting pipeline for small & medium enterprise credit. Intake, validate, score, route.

Documents
Bank statements (12mo)Tax returnsFinancialsBusiness registryProof of addressID
01Classify and OCR
02Compute ADB, income volatility, cash-flow coverage
03Cross-validate name, address, dates
04Fraud signals on statement layouts
05Route: auto-approve clean cases, queue exceptions
FLW-LEN-02Flagship

Consumer credit intake

Personal loan and cash-advance origination, bureau-backed with income verification from payslips.

Documents
Payslip (3mo)COEGovernment IDCredit bureau pullUtility bill
01ID extraction and liveness match
02Payslip income normalization
03Bureau call, debt burden calc
04Risk score, auto-decision
FLW-LEN-06Flagship

Auto loan underwriting

Consumer auto financing with vehicle title validation, chassis photo cross-check, and dealer invoice reconciliation.

Documents
Vehicle titleChassis photoDealer invoicePayslipIDProof of address
01Vehicle title text extraction
02Chassis number from photo OCR
03Cross-validate title vs chassis
04Dealer invoice reconciliation
05Income verification, approval
Also available
FLW-LEN-03Core

Payroll-deduction loan

Loans repaid via employer salary deduction. Handles employment verification, deduction authorization, and non-standard income patterns.

FLW-LEN-04Specialized

Bank statement fraud screen

Run as standalone or as a pre-step on any underwriting flow. Layout, arithmetic, and pattern analysis.

FLW-LEN-05Core

Invoice financing

Accelerate working capital against unpaid receivables. Extract, validate, and advance against invoices with debtor checks.

FLW-LEN-07Specialized

KYC & PEP screening

Identity verification, sanctions screening, PEP checks, and adverse media monitoring for lending or onboarding.

Customer example

"Our team used to spend hours per application: reading bank passbooks, checking numbers by hand, reconciling documents. Now Floowed reads the documents, runs our credit policy, and surfaces a decision in minutes. Our credit officers focus on the calls that need a human."

Rene de Jesus
Founder · Alon Capital
Impact · first 90 days
Review time (clean cases)↓ 54%
Statement fraud catches
Credit officer hours saved / week180+
Engineering tickets0
Integrations

Fits the lending stack you already run.

Native connectors for the LMS, credit bureau, and KYC tools you already use. Plus Zapier, n8n, and direct API for everything else.

Loan management & core banking
FinastraTemenosMambuTurnKey LenderHESLendFusionnCino
Credit bureau & risk data
ExperianTransUnionCRIFCICLenderlinkCIBIPefindoCTOSCBSWorld-CheckRefinitivDow Jones Risk
Identity & KYC verification
PersonaOnfidoJumioVeriffComplyAdvantage
Developer tools
REST APIWebhooksPython SDKTypeScript SDKZapiern8n

Need a custom integration?

If we don’t already connect to it, we’ll build it. Days, not months.

REST & GraphQL APIsSOAP ServicesSFTPDatabase
Request custom integration

What lenders ask, answered.

What documents can Floowed process for loan underwriting?
Floowed processes bank statements (12 months, any bank layout), tax returns, payslips, certificates of employment, government IDs, proof of address, business registrations, and auto title documents including Vehicle title. Lending templates for SME underwriting, consumer credit, payroll-deduction loans, and auto financing are ready to run on day one.
How long does it take to set up a loan underwriting automation flow?
Most lending teams run their first Floowed flow in minutes using a preset. The SME underwriting preset, consumer credit intake, and fraud screen flows ship ready to run on real documents. Adapting them to your specific credit policy on the Decisioning Canvas typically takes hours to days, not weeks.
Does Floowed detect bank statement fraud?
Yes. Floowed’s bank statement fraud screen checks for font and layout inconsistencies, arithmetic errors in running balances, suspicious deposit timing and round-number patterns, and image manipulation signals. The fraud score is explainable: every flag cites the specific evidence from the document. It can run as a standalone flow or as a pre-step on any underwriting flow.
Can Floowed automatically compute DSCR, ADB, and other credit ratios?
Yes. Floowed’s credit ratio engine computes average daily balance (ADB), debt service coverage ratio (DSCR), income volatility, seasonality, and cash-flow coverage directly from parsed bank statement data. Every ratio is traceable back to the source transactions, creating a full audit trail.
What lending and LOS systems does Floowed integrate with?
Floowed integrates with major loan origination systems including nCino, Mambu, Finastra, Temenos, and Oracle FLEXCUBE, plus credit bureaus including Experian, TransUnion, Equifax, CIC, and Pefindo. It also connects via REST API, webhooks, SFTP, and email intake for custom LOS integrations.
Does Floowed support payroll-deduction loans?
Yes. Floowed has a dedicated payroll-deduction loan flow (FLW-LEN-03) that handles employer letters, salary deduction authorizations, payslips, and IDs. It handles non-standard income patterns and routes decisions based on employment tenure and salary continuity.

Decision your next loan, in 5 minutes.

Drop in a real application. Watch Floowed extract, decision, and show you why. No procurement. No IT ticket.

From $399/mo. No credit card. No sales call.