Promptlē is a lending intelligence platform for document and data verification in lending workflows. It combines AI with real-world evidence checks to produce trusted, audit-ready outcomes across categorisation, extraction, fraud detection, serviceability validation, and policy execution.

How to automate document categorisation in lending?

Automating document categorisation involves using probabilistic AI models to identify document types (e.g., payslips, bank statements) based on visual patterns and text markers, achieving higher speed and accuracy than manual sorting.

Does Promptlē replace our lending application?

No. Promptlē does not capture the initial application. Your frontend or broker portal continues to handle the customer experience. Promptlē receives applicant data and documents via API or direct portal uploads, runs the verification pipeline, and returns structured results.

Can Promptlē automate approvals and declines?

Yes. Promptlē features a Credit Policy Engine that ingests your specific lending rules to automate decisioning. Alternatively, it can just pass verified data and AI reasoning back to your existing decision engine.

Is Promptlē fully modular?

Yes. You can consume the full platform or pick specific AI modules via API (e.g., just document categorisation and extraction, or just the serviceability and credit policy engine without document processing).

Is Promptlē LIXI compliant?

Yes. All inputs and outputs are LIXI schema compliant (XML and JSON), ensuring seamless integration with the Australian lending ecosystem. Promptlē also provides clean REST and GraphQL APIs.

Does Promptlē store our documents long-term?

No. Promptlē is a processing engine, not a Document Management System (DMS). Documents are encrypted during processing and automatically purged once the workflow is complete or expires, ensuring customer PII remains secure.

What is the difference between declared and verified serviceability?

Declared serviceability calculates borrowing capacity using applicant-stated figures. Verified serviceability recalculates using AI-extracted data from source documents like bank statements and payslips. Promptlē highlights discrepancies between the two.

Our Solutions

The intelligent bridge between application and approval.
Automating the hard stuff so you can focus on the decision.

The Intelligence

AI Automation & Extraction

We use advanced AI to handle the "messy" work: reading unstructured documents, categorising files, detecting fraud, and identifying missing information. This layer deals in probabilities and confidence scores to automate data entry and validation.

Categorisation

Instantly classifies payslips, bank statements, and tax returns from any issuer.

Data Extraction

Pulls key financial data (YTD income, expenses, ABNs) with superior accuracy to OCR.

Fraud Detection

Detects digital tampering, font inconsistencies, and metadata anomalies.

Next Actions

Identifies missing docs and generates specific conditions (e.g., 'Upload recent payslip').

The Rules

Policy Intelligence & Decision Support

Once data is extracted and verified, Promptle AI maps declared and verified data against your configured policy framework. We help teams digitise policy documents, tune credit and non-credit rules, and provide transparent recommendations with full rationale.

Serviceability Calculator

We compare the applicant's Declared position against the AI-Verified position. Our engine standardises frequency, applies shading, checks HEM benchmarks, and flags undisclosed liabilities.

Exact LIXI-compliant output
Configurable shading & buffers
Transparent calculation audit trail

Credit Policy Decisioning

Your policy, digitised and configurable. AI can extract rules from lender credit policy PDFs, then your team can add, modify, and configure rule sets, including credit, non-credit, and verification-required conditions. Promptle maps policy rules to declared and verified data, then presents consolidated next steps for the customer, banker/broker, and lending operations with a full decision rationale log.

AI-assisted policy extraction from PDF
Configurable credit and non-credit rules
Consolidated next steps and rationale log trail

The Financial Impact

Building an internal extraction and decisioning engine typically costs $500k+ and takes 6 - 12 months of dev effort. Promptlē delivers this infrastructure out-of-the-box, allowing you to focus engineering resources on your core customer experience.

Reduce OpEx

Cut processing costs by up to 60% per application.

🚀

Market Speed

Launch new loan products in weeks, not months.

80%

Reduction in Manual Handling

<60s

Time to Decision

99.9%

Fraud Detection Rate

100%

Audit Consistency

Solutions for the Lending Ecosystem

Tailored intelligent lending infrastructure for every stakeholder in the origination lifecycle.

For Banks & Lenders

Enterprise Orchestration

Architected for Institutional Security. Leverage SOC2 Type II and ISO 27001 compliant intelligent lending infrastructure to bridge legacy core banking systems with modern AI-driven automation. Promptlē functions as a high-performance Multi-Lender Gateway, normalising fragmented data into a standardised Verified LIXI payload.

APRA CPS 234 Aligned
Stateless Architecture
Modular AI Integration

For Aggregators

The Universal Schema

Unified Mortgage AI Middleware for Aggregators. Provide brokers with a consistent orchestration layer that executes diverse lender credit policies with 100% audit accuracy. Promptlē abstracts the complexity of disparate lender endpoints, ensuring seamless interoperability between upstream CRMs and downstream fulfilment systems.

LIXI Normalisation
Multi-Lender Policy Gateway
White-Label Middleware

For Brokers

Zero-Touch Verification

Accelerated Time-to-Approval for Brokers. Reduce manual handling by 80% using automated AI document categorisation and real-time conditions management. The platform's intelligent orchestration layer identifies missing or inconsistent documentation before it reaches the underwriter, enabling instant conditional feedback.

Instant Document Feedback
Tokenized Customer Portals
Condition Reduction Engine

Use Cases

Designed for flexibility across the lending spectrum. Click to see the workflow.

Start automating your lending pipeline.

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