One engine, tuned for every loan book
From SME working capital to vehicle financing, mortgages and personal loans — Finklusi turns each credit file into decision-ready analytics for BPR.
01
SME Loan
Extract real financial health from the documents small businesses actually have — no clean spreadsheets required.
Documents processed
What Finklusi analyzes
- Cash-flow analysis from raw transactions
- Automated financial spreads with key ratios
- Business entity verification
Net cash flow · last 12 months
Rp 3.9 B
Debt-service coverage
1.8x
Inflow growth
+12% QoQ
- Inflows trend upward across the last two quarters
- Buyer concentration stays within healthy limits
- No overdraft or bounced-cheque markers found
02
Automotive Loan
Same-day verification for dealership financing — identity, income and affordability in a single pass.
Documents processed
What Finklusi analyzes
- Identity match against the application
- Income validation from payroll deposits
- Automatic affordability profiling
- Identity match against the application
- Income validation from payroll deposits
- Automatic affordability profiling
Verified monthly income
Rp 28.5 Jt
Debt-to-income ratio
28%
Active obligations
3 detected
- Salary lands consistently every month
- Comfortable headroom for the installment
- No delinquency signals detected
03
Mortgage Loan
Long-horizon income stability and obligation analysis, compressed from weeks into minutes.
Documents processed
What Finklusi analyzes
- Extended income stability profiling
- Property validation with encumbrance flags
- Obligation mapping across the loan term
Net disposable income
Rp 38 Jt / mo
Obligation ratio
31%
Savings buffer
9.5 months
- Income consistent across 24 months
- Savings grow steadily month over month
- Obligations amortize before loan maturity
04
Consumer Loan
Instant eligibility for personal loans — repayment behaviour from credit history combined with verified salary, scored in seconds.
Documents processed
What Finklusi analyzes
- Repayment-behaviour scoring from credit history
- Salary verification from payslips and payroll deposits
- Debt-to-income and eligibility recommendation
Credit history · 24 mo
Payroll deposits
Verified salary
Rp 12.5 Jt / mo
On-time payments
98%
Debt-to-income
24%
- 24-month streak of on-time repayments
- Salary deposits stable and verified
- Clear headroom after existing obligations