AI Lending Copilot Cuts Decisions to 4 Minutes
SpeedMVPs built a fintech AI MVP for ClearFund Capital: an AI lending copilot on Next.js and FastAPI that ingests bank statement PDFs, bureau XML feeds and GST JSON, then uses GPT-4o structured outputs to generate a credit memo, risk score and recommended loan terms in under 5 minutes. Analysts review, override or approve each recommendation in a React dashboard before any customer communication, and the system syncs with Salesforce via REST webhooks.
SpeedMVPs built an AI lending copilot on Next.js and FastAPI that ingests bank statement PDFs, bureau XML feeds, and GST JSON via an async pipeline, then uses GPT-4o with structured outputs to generate a credit memo, risk score (0–100), and recommended loan terms in under 5 minutes. The system integrates with Salesforce via REST webhooks, stores decisioning rationale in pgvector for audit trails, and surfaces a React dashboard where analysts review, override, or approve AI recommendations before any customer communication.
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What We Built
- SpeedMVPs built an AI lending copilot on Next.js and FastAPI that ingests bank statement PDFs, bureau XML feeds, and GST JSON via an async pipeline, then uses GPT-4o with structured outputs to generate a credit memo, risk score (0–100), and recommended loan terms in under 5 minutes. The system integrates with Salesforce via REST webhooks, stores decisioning rationale in pgvector for audit trails, and surfaces a React dashboard where analysts review, override, or approve AI recommendations before any customer communication.
The Challenge
- ClearFund Capital was underwriting SME loans manually: analysts spent 5+ days per application pulling bureau data, bank statements, and GST filings before reaching a credit decision. At 300+ applications per month, the team was a bottleneck: 40% of applicants dropped off waiting, and the cost-per-decision was climbing past $180. They needed an AI-assisted decisioning layer without replacing their existing Salesforce CRM or disrupting compliant workflows.
Our Solution
- Bank statement OCR + cash-flow extraction with GPT-4o structured outputs
- Bureau XML + GST JSON ingestion pipeline with async job queue (Redis + Celery)
- AI-generated credit memo with risk score, red flags, and recommended loan terms
- Analyst override dashboard with full decisioning audit trail stored in pgvector
- Salesforce webhook integration for real-time application status sync