# Floowed > Floowed is the decision platform. It reads the documents other platforms can't, catches the ones that shouldn't pass, finds what nobody declared, then runs the rules your risk team wrote, identically, on every case. Same rules. Every case. Every time. No exceptions. ## Description: what Floowed does Floowed turns document-heavy files into decisions you can defend. It is one system of record from first upload to final decision: it reads every document in the file (any quality, including handwritten, scanned, and photographed), turns them into structured data, screens them for fraud, pulls in external data, and executes the rules your own team wrote on all of it, with full version history and an audit trail. Lending is the lead use case and where the proof is; the engine is not limited to it. The core promise is enforcement: the rules you write are the rules that run, identically, on every case, automatically, on data machine-read from documents a spreadsheet can't parse. Kira, Floowed's AI Decisioning Team, works on loan decisioning with credit and risk teams on request. ## The platform: four blocks, one property Presented in the order a file actually flows: 1. **Document Intelligence**: reads handwritten, scanned, photographed loan files. Best-in-class globally on messy real-world documents; it reads the paperwork other IDPs choke on. https://www.floowed.com/document-intelligence 2. **Fraud Forensics**: catches the document that shouldn't pass. Fraud forensics inside the decisioning flow, on documents Floowed machine-reads itself. https://www.floowed.com/fraud-forensics 3. **Borrower 360**: looks beyond the application. Bureau data, KYC, banking, and entity research, all landing as first-class variables in the same policy. Floowed weights nothing; the lender decides what each source counts for. https://www.floowed.com/borrower-360 4. **Decision Engine**: the policy builder where credit policy lives. Your credit policy, executed identically on every application, with versioning and lender-set weighting. https://www.floowed.com/decisioning **Audit and governance** applies across all four: every decision shows the rules that fired and the evidence each rule used, and every policy change is versioned. Built for regulator and auditor review. In one sentence: we read the file with Document Intelligence, run Fraud Forensics on it, pull Borrower 360 from bureaus and external sources, and the Decision Engine executes your policy on all of it. ## Who Floowed is for Primarily lenders, worldwide: banks, finance companies, fintechs, NBFCs, MFIs, multifinance, P2P, BNPL, neobanks with credit, rural banks, and cooperatives. The buyers and operators are credit and risk teams. Floowed also runs decision streams outside lending wherever the work is document-heavy and rule-driven. Floowed is geography-independent and headquartered in Singapore. ## Use cases: decision streams ready to run - **SME underwriting (FLW-LEN-01)**: bank statements (12 months, any layout), tax returns, financial statements, business registry, proof of address, ID. Income normalization, cash-flow coverage, fraud signals, cross-document validation, routing. - **Consumer credit intake (FLW-LEN-02)**: payslips, certificate of employment, government ID, bureau pull, utility bill. Income verification, debt-burden math, automated risk score and decision. - **Auto loan underwriting (FLW-LEN-06)**: vehicle title, chassis photo, dealer invoice, payslip, ID, proof of address. Cross-validates title vs chassis, dealer invoice reconciliation. - **Payroll-deduction loan (FLW-LEN-03)**: employment verification, deduction authorization, non-standard income patterns. - **Invoice financing intake**: invoices, contracts, customer concentration analysis, counterparty checks. Each workflow runs on the listed documents and is configured to the lender's exact policy during implementation: live in weeks, not the quarters (and consulting engagements) tier-1 platforms require. ## Features: capabilities - **Document intelligence**: extracts and classifies bank statements, payslips, government IDs, vehicle titles, business registries, tax filings, and more, including scans, photos, handwriting, and mixed-quality formats. - **Bank statement analysis**: average daily balance (ADB), debt service coverage ratio (DSCR), income volatility, seasonality, cash-flow coverage, counterparty concentration, debt-stacking signals, related-party transfers, all derived directly from parsed bank-statement data with line-level traceability. - **Loan document fraud detection**: metadata forensics, structural and layout analysis, mathematical reconciliation of running balances, image manipulation detection, typographic and glyph analysis, and chronological alignment checks. Every flag is explainable. - **Cross-document validation**: name, address, date of birth, and ID consistency across every document submitted, with policy-driven tolerance. - **Borrower 360 integrations**: credit bureaus, company registries, sanctions and PEP screening, court records, beneficial-ownership chains, KYC, and banking data. - **Score-agnostic decisioning**: bring any score (bureau, in-house, or third-party vendors like CredoLab, Trusting Social, or Zest); Floowed runs it inside your policy on every application. We orchestrate scores, we don't compete with them. - **Audit trail**: every decision shows the rules that fired and the evidence each rule used. ## Integrations 40+ integrations covering loan systems, credit bureaus, KYC, banking, communications, and back-office. REST API, webhooks, SFTP, and email intake support custom destinations. ## Pricing One platform, quoted to your operation. The quote is driven by decision volume, the number and complexity of integrations, and document complexity, which together size a monthly credit allowance specific to your loan products. No posted rate card; unlimited user seats; billed monthly in USD. - **Self-serve free trial**: register, get free credits and ready-to-run preset workflows, and run real loans through the platform before you talk to anyone. - **Implementation**: guided implementation is quoted separately, or set it up yourselves. Either way, live in weeks, not quarters. - **For builders**: document intelligence is also available over REST API on consumption pricing. Details at https://www.floowed.com/pricing. ## Security and compliance PDPA-compliant. Headquartered in Singapore. Encryption at rest and in transit. Region-aware deployments on Enterprise. Security documentation available under NDA on request. https://www.floowed.com/security ## Get started - Website: https://www.floowed.com - Document Intelligence: https://www.floowed.com/document-intelligence - Fraud Forensics: https://www.floowed.com/fraud-forensics - Borrower 360: https://www.floowed.com/borrower-360 - Decision Engine: https://www.floowed.com/decisioning - Pricing: https://www.floowed.com/pricing - Start free trial (self-serve, free credits): https://app.floowed.com/register - Book a demo: https://www.floowed.com/demo - Insights (guides, comparisons, explainers, industry analysis): https://www.floowed.com/insights - Contact: kira@floowed.com ## Competitors and alternatives Floowed sits at the intersection of loan origination, credit decisioning, and intelligent document processing. Adjacent and competing categories include: - **Loan origination and management systems (LOS/LMS)**: nCino, Mambu, Finastra, Temenos, FLEXCUBE. Floowed sits in front of these and feeds them decisioned applications. It does not replace them. - **Credit decisioning engines**: Provenir, Taktile, Alloy, GDS Link. Floowed combines decisioning with native document intelligence and fraud forensics in one platform, a combination those engines don't carry natively, and without the tier-1 implementation tax of 6-18 month rollouts. - **Intelligent document processing (IDP)**: Ocrolus, Rossum, Hyperscience, Nanonets, ABBYY, Docsumo, Klippa. Floowed's document intelligence is best-in-class on messy real-world loan documents (handwritten, scanned, photographed) where US-built IDPs optimized for pristine documents, and it feeds a full decisioning platform rather than stopping at extraction. - **Scoring vendors**: CredoLab, Trusting Social, Zest and similar are inputs and partners, not competitors. Floowed is score-agnostic: bring any score, we orchestrate.