CREDINNOV DIGITAL LENDING PLATFORM

One connected journey.
From information
to a decision.

A proposed web and mobile platform connecting applications, credit review and documentation.

Explore the platform PROPOSED PLATFORM
THE PROPOSED DIGITAL JOURNEYFrom application to documentation.
  1. Bring information together

    Application details, identity checks and relevant financial records.

  2. Review the requirement

    The lender assesses the applicant, transaction and repayment capacity.

  3. Confirm terms and documents

    If approved, review the offer and complete the agreed documentation.

Illustrative journey · Proposed platform

credinnovDIGITAL LENDING PLATFORMGETTING STARTEDA little information.
A clearer beginning.

Your details help shape the financing conversation.

  1. 01
    Contact detailsMobile verification
  2. 02
    Identity informationRelevant identity checks
  3. 03
    Supporting recordsDocuments for your requirement
Illustrative interface · No information is collected here
01 / DIGITAL ONBOARDING

A clearer start,
wherever you begin.

Contact details, identity documents and verification in one proposed journey.

Identity and account checks

Planned mobile, identity and bank-account verification, with electronic or video checks where applicable.

A complete starting record

Duplicate and screening checks, with information and consent requirements explained.

02 / FINANCIAL INFORMATION

A fuller picture.
A considered decision.

Financial records and relationship history inform the review. Requirements vary by product.

01

Credit history

An applicant’s existing borrowing and repayment record.

02

Bank statements

Financial activity that helps inform the assessment.

03

Business records

Relevant GST and trading information for business finance.

04

Existing commitments

Other borrowing and financial exposure considered together.

05

Corporate relationship

The length and context of the trading relationship.

06

Trade dependence

How much the business relies on that corporate relationship.

03 / CREDIT ASSESSMENT

Technology supports
the review.

Planned rules and scorecards support assessment of the applicant, transaction and repayment capacity.

POSSIBLE NEXT STEPS
  1. Further information

    Clarify the application or provide additional records.

  2. Conditional approval

    Review the offer and the conditions that must be met.

  3. Decline

    The requirement may not meet the lending criteria.

Credit decisions remain with the lender. Approval is subject to assessment.

04 / AGREEMENTS & PAYMENT

Clarity before
the commitment.

Review the terms, complete the documents and confirm payment conditions.

Review and acceptance

Review the sanction and agreement. The team confirms available signing methods.

Final checks and limit setup

Complete outstanding checks before the limit and payment are arranged.

Funds for the stated purpose

Approved payment goes to the agreed corporate, vendor or educational institution.

See the payment routes
credinnovDIGITAL LENDING PLATFORMILLUSTRATION
DOCUMENTATIONKnow the terms.
Understand the commitment.
Financing amount
As offered
Interest & charges
To be reviewed
Repayment schedule
As agreed
Conditions
To be confirmed
ReviewAgreeDocument
Payment follows the purpose.

After approval and documentation.

Illustrative interface · No offer or agreement is made here
AI ROADMAP / PLANNED CAPABILITIES

More attention
where it matters.

Planned AI assistance for conversations, document review and follow-up.

01

Customer conversations

Support product discussions and customer questions.

02

Document & review support

Organise information for review by the team.

03

Reminders & follow-up

Assist with reminders, statements and timely follow-up.

Illustrative screens only. Planned capabilities, unavailable through this website. Financing requires approval and agreed terms.

TECHNOLOGY WITH A PERSONAL CONNECTION

Let’s understand
your requirement.

Talk to the team about the proposed platform, or meet its lending service partner ↗.

Speak to our team