LeaseFlow
Autonomous asset-leasing OS for the Polish commercial-vehicle market, with a literal twenty-four-hour clock on every file.
Overview
Every application carries a live countdown against a twenty-four-hour SLA — files near breach go amber, files past it go red and stay on the board. Underwriting weights telematics alongside bureau data, co-lender routing ranks four banks by appetite rather than rate, and the rules engine proposes its own changes with evidence and then waits, because a rule that rewrites itself cannot be defended to a regulator.
Specifications
USE CASE
End-to-end commercial-vehicle leasing inside a 24-hour SLA
WORKFLOW
Receive, KYC, underwrite, route, sanction, disburse
OUTPUT
Underwriting score with factor weights; ranked co-lender fit
SECURITY
Consumer Credit Directive and GDPR checklist per file, EU-only residency
Features
- 01Live TAT countdown against a 24-hour SLA on every card
- 02Underwriting score with a visible factor breakdown including telematics
- 03Co-lender routing across four banks ranked by appetite, with the reason
- 04Rules engine with version history and AI-proposed changes awaiting approval
- 05CCD and GDPR compliance checklist that blocks disbursement when incomplete
Architecture
LEASEFLOW PIPELINE
────────────────────────────────────────────
┌─────────────┐
│ Application │
└─────────────┘
↓
┌─────┐
│ KYC │
└─────┘
↓
╭┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╮
┊ AI underwriting — telematics weighted ┊
╰┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╯
↓
╭┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╮
┊ Co-lender router — 4 banks ┊
╰┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╯
↓
┌────────────────┐
│ Sanction ≤ 24h │
└────────────────┘
↓
╭┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╮
┊ Rules engine proposes ┊
╰┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈┈╯
↓
┌────────────────┐
│ Compliance log │
└────────────────┘
╭┈┈╮ dashed = model step ┌──┐ deterministic stepWhat it will not do
Every screen carries one honest failure record with its recovery path. This is the one buyers remember. A run scored a first-time borrower at 41 and recommended decline because the telematics feed was eleven days stale — it read missing data as poor driving. Missing factors now drop out of the weighting entirely and are named on the file; that application was re-scored at 68 and sanctioned. A second run refused to raise the auto-sanction ceiling to €90k on evidence covering €30k, and proposed €50k at 52% confidence while saying the confidence was low.
