Platform
Fin-Score
Automated SME Loan Decisioning
An end-to-end automated credit decisioning platform for regulated lenders. From a minimal web form, Fin-Score enriches the applicant's data from external registries, runs configurable knockout rules and a 3-category weighted score, and delivers a fully automatic approve or reject decision — with digital signature capture and an immutable audit trail.
- Credit Scoring
- Fintech
- Automation
- Compliance
- Decisioning
overview
What it is
An automated, end-to-end SME loan decisioning platform for regulated lenders, built by PyramidLedger. A web application feeds parallel data enrichment, configurable knockout rules, and a three-category weighted score, producing a fully automatic approve or reject decision within a defined envelope — no human approver is in scope. Its launch tenant and design partner is EM Bank (Lithuania), and the platform is multi-tenant-ready through configuration and adapters rather than code forks.
capabilities
Key features
Minimum-Input Application Form
Starts from a minimal web form, asking only for the inputs the decision actually needs.
Parallel Registry Enrichment
Enriches the application in parallel from Registry Center, Credit Info, Scorify, and Sodra.
Configurable Knockout Rules
Applies 12+ configurable knockout rules before any score is computed.
Weighted Credit Score
A 3-category weighted score — Owner 30%, Behavioral 30%, Financial 40% — drives the decision.
Digital Signature Capture
Captures the applicant's digital signature via Smart-ID or Mobile-ID.
Compliance-Anchored Audit Trail
An immutable, compliance-anchored audit trail records every decision for review.
why it matters
Benefits
- In-scope SME decisions in minutes rather than days.
- Every automatic decision is fully auditable and immutable — enrichment, knockout trace, scoring trace, config version, board pre-approval reference, and signature trail.
- Multi-tenant-ready from day one.
- Compliance exposure is structurally reduced, with versioned ESG/NACE exclusions and a board pre-approval anchor.
- Scoring and knockout rules are updatable without engineers.
in practice
Use cases
the story
Problem, approach, outcome
- Problem
- SME credit decisions take days of manual underwriting.
- Approach
- Parallel data enrichment, configurable knockout rules, and a 3-category weighted score driving a fully automatic decision.
- Outcome
- Approve/reject decisions in minutes within a defined envelope — every decision fully auditable.
get in touch
Let's talk
Interested in Fin-Score, or want to see how it could fit your work? Email is the best way to reach TRAGenX — send us a note and we'll get back to you.