End-to-end origination
Application, identity, decision, offer, signature, disbursement, and collection in a single flow.
orbit credit
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Origination · Credit
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In PoC
Not everyone applies the same. Nor gets collected the same.
orbit credit resolves the applicant profile at the start of the flow and lets that decide everything else: which fields the form asks for, how strict the KYC is, what the affordability calculation stands on, where it disburses, and how it collects. Today it is a proof of concept with a seeded demo environment.
orbit credit
origination · credit
01 · Context
The problem we are solving.
A lending operation treats every applicant the same: the same form, the same KYC, the same basis for affordability, and the same collection mechanism. But a salaried employee, an agent living on commissions, and a business partner are neither the same risk nor collected the same way. When the product does not distinguish, either you ask too much of someone who did not need it and abandonment rises, or you lend with the wrong collection mechanism and the arrears show up later.
02 · What it is
orbit credit in one sentence
A multitenant origination platform where an orchestration engine resolves the profile up front and routes the flow across nine capabilities: adaptive application, orchestrated identity and KYC, decision engine, simulation and offer, digital formalization, multi-destination disbursement, differentiated collection, orchestration, and analytics. The structural fork is collection: direct payroll deduction, priority over commissions, or direct debit.
03 · How it works
Four steps. No magic.
From the resolved profile to collection, with the decision explained at every step.
01
The profile is resolved
The orchestration engine identifies the applicant up front and preloads what the organization already knows about them.
02
Adaptive application and identity
The form reconfigures itself per profile and the KYC is orchestrated across providers at the strictness that profile requires.
03
Explainable decision
Composite score, policy, hard flags, and a decision tree. Deterministic on purpose: lending has to be able to explain why.
04
Offer, signature, and disbursement
Instalment, APR, amortization table, and scenarios; electronic signature and file; disbursement to payroll or to the given account, with the collection that profile requires.
04 · What it does
Where it goes to work.
The modules that exist today in the issuer's demo environment.
Payroll-backed lending
Affordability is calculated on net pay and collection is by direct deduction.
Lending to a sales force
Affordability is calculated on average commission and collection takes priority over that commission.
Applicant portal
Public sign-up under the issuer's subdomain, with no platform user for the applicant.
Exception queue with a copilot
The escalated case arrives explained: which rule fired it and which variable set it off.
Multi-issuer back office
Each organization runs its own isolated portfolio, with its own visual identity.
05 · Benefits
What changes when you have it.
Five differences from a lending operation with a single mold.
Request demo1
A product per profile, not one form for everyone
The same flow behaves differently depending on who knocks: what is asked, how much is lent, and how it is collected.
2
Collection is decided up front
Deduction, priority over commissions, or direct debit are settled the moment the profile is identified, not at the end.
3
Explainable by design
The engine is deterministic: score, policy, flags, and tree. Nobody gets a number without a reason in plain language.
4
Only what needs it escalates
What the policy resolves needs no person, and what escalates arrives with the reason written down.
5
Real isolation between issuers
The organization is derived from the subdomain, never from the session, and the database filters by row policies: with no context, zero rows.
06 · Before and after
What changes, side by side.
An honest comparison between originating with one mold and originating by profile.
Before / Without orbit credit
Today's day-to-day
- ✕ The same form for the employee and for the agent
- ✕ The same KYC regardless of the real risk
- ✕ Affordability on the same basis for everyone
- ✕ Collection is figured out at the end, once the money is out
- ✕ The rejection is communicated as a number
After / With orbit credit
The day-to-day, by profile
- ✓ The form reconfigures itself around who is applying
- ✓ KYC strictness moves with the profile
- ✓ The affordability basis is payroll or commission, as the case requires
- ✓ The collection mechanism is settled from the start
- ✓ The reason is explained in plain language, citing the rule
07 · Industries
Where it applies today.
Built on a case of lending to a sales force and to employees. The architecture serves any issuer with more than one applicant profile.
01 / Banking
Payroll and sales-force lending
One flow that changes mold with the profile.
02 / Insurance
Lending to agents against their commission
It is the case the proof of concept was built on.
07 · Video
Let us see it in action.
Applications with their profile, the credit policy moving with its effect on the portfolio, and the funnel from application to collection. Recorded in the platform.
08 · Contact
Let's see it with your operation.
In 30 minutes we tell you whether orbit credit fits your process, what it integrates and what it doesn't, and what a pilot looks like. If it doesn't fit, we tell you that too.
Run the discovery with rocky