AI document automation for credit underwriting
Finklusi transforms unstructured credit documents — financial statements, legal documents, bank statements — into decision-ready insight with high accuracy and speed.
Watch unstructured documents become decisions
Scroll to see how Finklusi's AI pipeline works on real credit files.
01 · Unstructured
Documents arrive messy
Scanned financial statements, legal contracts and bank statements — different formats, languages and quality.
02 · AI Extraction
AI reads and structures everything
Neural OCR extracts every field; validation models check consistency across documents.
03 · Insight
Decision-ready insight
Risk scores, financial ratios and a clear recommendation — delivered to your LOS via API.
One platform for every credit document
Purpose-built analysis for the documents that drive lending decisions.
Bank Statement Analysis
Understand real cash flow behind every application.
- Transaction categorization
- Cash-flow pattern recognition
- Revenue & expense estimation
- Fraud detection
Financial Report Analysis
Automated spreading of financial statements.
- Balance sheet & P&L analysis
- Business efficiency ratios
- Cash-flow analysis
- Equity change reports
Legal Document Processing
Verify the legal standing of every borrower.
- Business registration analysis
- Contract analysis
- NIB documents
- Other legal files
Collateral Document Analysis
Validate what secures the loan.
- Property certificate validation
- Vehicle ownership (BPKB) analysis
- Cross-document verification
Identity Document Extraction
Instant, accurate KYC data capture.
- KTP & NPWP extraction
- Family card data
- Other identification documents
Invoice & Purchase Orders
Commercial documents, structured automatically.
- Invoice data extraction
- PO extraction
- Inventory documents
- Commercial document analysis
And many more document types
Four steps to a credit-ready report
A pipeline your auditors will like as much as your analysts do.
Upload documents
Send documents through the API or the web dashboard — PDFs, scans or photos.
AI extracts & analyzes
Our AI will extract, analyze, and translate documents into insight with high accuracy in seconds.
Experts validate
Human-in-the-loop review assures quality on low-confidence extractions.
Insight delivered
A credit-ready report with risk assessment, ratios and clear analytics and information.