At Nestack, we developed this Finance model, a modern credit decisioning platform purpose-built for equipment finance. In today’s lending landscape, workflows are often scattered across emails, spreadsheets, and disconnected systems — leading to delays, compliance gaps, and weak audit trails. Our Finance model centralizes the entire lifecycle of a deal, from application intake to underwriting, policy evaluation, approval routing, and final decisioning, within a single workspace. Built using Modern Technology, so this platform ensures every action is recorded as an immutable audit event policies are locked at submission and AI is embedded into underwriting to generate summaries, narratives and condition recommendations.
Loan Eligibility
The Loan Eligibility module serves as the entry point for brokers and sales teams, designed as a four-step wizard: Business Details → Deal Terms → Equipment → Review & Submit. Users begin by entering business details such as legal name, entity type, years in operation, and address. The next step captures deal structure — loan amount, term, deal type, and purpose — with dynamic validation. Equipment details like category, condition, vendor, and invoice amount are then collected, along with optional documents. Once submitted, the application is locked, mapped to the active policy version, and stored. An AI-powered PDF Autofill feature also extracts data from uploaded documents to pre-fill fields and reduce manual effort. Then instantly provides Credit score for you.
Due Dilligence
The Due Diligence module transitions the workflow into structured risk and compliance assessment. It includes a verification form with three sections: Representative Details, Business Details, and Legal Status. Representative Details captures contact information and requires an identity proof document. Business Details includes registration number, incorporation year, tax compliance status, and investor count, with conditional fields for better usability. Legal Status checks for ongoing legal issues and dynamically expands to capture details and supporting documents if needed. Based on inputs, the system returns either a standard review confirmation (24–48 hours) or a “Decision Pending” status for further scrutiny. This module acts as a key KYB/KYC checkpoint, ensuring compliance before any application moves forward.
Technologies Used
- Platform: Next.js 16 (App Router), React 19, TypeScript 5
- AI Models: OpenAI GPT-4o
- Database: Firebase — Auth, Firestore, Cloud Storage
- Infrastructure: Vercel Edge Network
- Industries: Fintech & Software
