A loan application workflow for a small finance company
Online applications that move through checks and approvals with a full audit trail.
A concept: we'll show how it would work for your business.
Concept project: designed and built by Yuvyora to show approach and capability, not for a paying client.
- Industry
- Finance
- Capabilities
- Web & App Development
- Timeline
- Concept · 8 weeks
The concern, and the fix.
- 01
The concernLoan files move between desks on paper and get stuck.
How it's solvedEvery application moves on a digital board, so anyone can see where a file is.
- 02
The concernApplicants visit the branch again and again with documents.
How it's solvedThey apply and upload from a phone, and documents are pre-checked automatically.
- 03
The concernDecisions are hard to trace in an audit.
How it's solvedEvery check and approval is recorded with who did it and when.
An online loan application and approval workflow for a small finance company. Applicants apply from their phone, documents are pre-read by AI, and every file moves through credit checks and approvals with a full record of who did what.
The challenge
Loan files move between desks on paper, so applicants wait and managers can't see where a file is stuck.
What we'd build
- Built an online application with document upload and status tracking.
- Used document AI to pre-fill details from KYC documents for review.
- Designed an approval flow with a full audit trail of who did what, when.
Mobile application
Applicants apply in steps, upload KYC and track their status like a parcel.
Document pre-reading
AI fills in details from KYC and income documents for an officer to verify.
Approval board
Every file sits in a stage, with ageing, owner and next action visible.
Audit trail
Every check, comment and approval is logged for compliance.
- 01
Apply
The applicant applies online and uploads documents.
- 02
Verify
An officer reviews AI-read details and runs checks.
- 03
Approve
The credit manager approves within their limit, or escalates.
- 04
Disburse
Sanction letter shared, disbursal recorded, repayment schedule created.
What we'd use to build it. The final choice depends on your needs and the systems you already use.
13 tools across 6 layers
App
- Next.js and ReactFast, search-friendly pages and a responsive dashboard
- TypeScriptTyped data, so mistakes are caught before release
- Installable web app (PWA)Opens from the home screen like an app, no store needed
Design
- FigmaScreens designed and tested with real users before any code
- Design tokensOne look across every screen, easy to rebrand
Data and sign-in
- Firebase AuthenticationPhone OTP or Google sign-in, nothing to remember
- Cloud FirestoreLive updates across staff and client screens
- Cloud FunctionsReminders, receipts and other tasks that run on their own
Integrations
- Google Maps PlatformLive locations, routes and arrival times
AI
- Claude APIReads documents and drafts replies, with a person approving
- Human review stepNothing goes out without a check by your team
Hosting and quality
- Firebase HostingGlobal CDN with HTTPS
- Automated testsSecurity rules and key flows tested before every release
- Faster decisions, because files no longer wait on desks between steps.
- Fewer data-entry mistakes from re-typing documents.
- Clean records ready for any audit or inspection.
- Collections module
- EMI reminders and field collection tracking.
- Bureau integration
- Credit bureau checks pulled straight into the file.
- Risk scoring
- A transparent score to help officers prioritise reviews.
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Let's create what's next.
We are partnering with a select group of 5 founding clients. Each one gets our full attention, our best thinking and terms reserved for the businesses that grow with us from the start.
- Senior team on your project from day one
- Preferred founding terms, agreed in your proposal
- Direct founder involvement in every key decision
- Priority scheduling ahead of standard engagements
Apply for a founding place Or start with a free website & app audit