Documents
Statements and applications arrive in different formats, often across inboxes.
For funders and underwriting teams
We're building this now
Each deal file in one place.
We're building Credalane to put the file in one place, show where every number came from, and leave the decision with your team.
One deal, too many places to look.
This is the work the product is for. It is not a report from a live customer.
Checks
Someone reads the same pages again to check one number.
Decisions
Why a deal was approved or declined can end up in notes, email, or memory.
How a file would move.
Credalane would get the file ready and show where each number came from. Your underwriter decides. A pilot would shape the steps around how your team already works.
- 01
Collect the deal file
The application and the statements stay with the file.
- 02
Show the statement lines
Each figure points back to the lines it came from. You can see what was counted and what was left out.
- 03
Keep the suggestion separate
The product would say suggest approve, needs review, or suggest decline. Those words mean it is a suggestion.
- 04
Record the decision
A person approves, declines, or sends the file back. The file keeps who decided and why.
Your team sets the rules and approves any change. Each change is saved on its own.
See where a number came from.
This is the kind of page the product is being built to show.
One made-up month of deposits. The two transfers are left out of the counted figure.
Jun 3
Card deposit
$20,000.00
Counted
Jun 8
Transfer from the business's own account
$4,000.00
Left out, transfer
Jun 12
Transfer from the business's own account
$2,200.00
Left out, transfer
Jun 21
Card deposit
$16,300.00
Counted
| Date | Statement line | Amount | How it would be read |
|---|---|---|---|
| Jun 3 | Card deposit | $20,000.00 | Counted |
| Jun 8 | Transfer from the business's own account | $4,000.00 | Left out, transfer |
| Jun 12 | Transfer from the business's own account | $2,200.00 | Left out, transfer |
| Jun 21 | Card deposit | $16,300.00 | Counted |
All deposits
$42,500.00
Own-account transfers, left out
$6,200.00
Revenue counted
$36,300.00
What Credalane would say: two deposits look like transfers between the business's own accounts, so they were left out.
Suggestion
Needs review
2 returned payments. Example dates: June 4 and June 18. statement_june.pdf, page 3, lines 14 to 19.
This note is separate from the deposit total above.
Decision
Not recorded
An underwriter would record the call here, in their own name. Nothing in this example has been decided.
Your team makes the call.
Credalane would suggest. Only an underwriter decides, and the file would show who made the call.
- A suggestion and a decision are kept apart.
- When the decision differs from the suggestion, the person writes a reason.
- If a statement does not add up, or a page looks missing, the file goes to review. The reason says so. It is not called fraud.
- Unusual cases go to a person. Your team approves the rules.
A pilot starts with how you work.
Nothing on this page is a finished offer. A pilot would be small, and the details would be agreed first: which files to try, what to look at, who reviews the suggestions, and how you will know it helped.
This website cannot start that conversation. It does not take names, email addresses, or files. Please don't send statements, account numbers, or passwords here. Invited users sign in to the app.
Sign inFor invited usersQuestions
- Is the product finished?
- It is in development. This page describes what we are building.
- Who is it for?
- Funders and the people who underwrite their files.
- Can I create an account here?
- Access is by invite. This site has no signup.
- Where do invited users sign in?
- At the app, on app.credalane.com. The sign-in link on this page goes there.
- Does Credalane approve or decline a deal?
- It would suggest. A person decides.
- Is the example real?
- It is made up, so the layout can be shown without anyone's statements.
- What if a statement does not balance?
- The plan is to hold the file for review and say why. A gap is not called fraud.
- Can I send a deal to this site?
- This site does not accept documents. Statements, account numbers, and passwords stay off this page.