Incomplete document sets
Applicants send some of what's required, then the file waits while missing items are chased by email and phone.
For banks and financial institutions in the Philippines
Better-prepared SME and MSME loan files. Ready for your credit team.
CreditLine collects and checks the documents and figures behind each application, records the applicant's own account in a guided interview, and hands your team a structured, audit-ready file. Your credit policy makes the decision.
Applicants talk to HANA, a voice assistant, in English. Every answer is saved to the file.
SME loan file · Example
Dela Cruz Carinderia Example
- Completeness
- 82%
- Identity
- Matches DTI certificate
- Declared vs. documents
- Needs reviewDeclared annual revenue is ₱4.8M. Average bank deposits over six months are ₱3.9M. Routed to a reviewer.
- Interview
- Completed · 14 answers
- DTI registrationVerified
- BIR Form 2303Verified
- Bank statements, 6 monthsVerified
- Latest income tax returnMissing
Summary of checks only. Credit decisions remain with your institution.
Standard SME document set, identified from the content of each upload
- Valid government ID
- DTI / SEC registration
- Barangay business clearance
- BIR Form 2303
- Income tax return
- Mayor's permit
- Financial statements
- Bank statements, 6 months
The problem
SME and MSME files reach credit teams incomplete and unreconciled
Analysts spend their time chasing documents, reconciling figures that were never checked against each other, and re-keying the same information into credit systems.
Figures that don't reconcile
Declared revenue, bank deposits and tax filings often tell different stories, and nobody flags the gap before committee does.
Manual re-keying
Analysts copy values from scanned PDFs into credit systems, which adds time and transcription errors.
Who you lend to
Micro, small and medium borrowers, each with a different file
Every SME and MSME in your portfolio arrives with a different document set and a different story. CreditLine organises each file to the same standard, so analysts compare like with like.
Cash-based, thin paperwork
Sari-sari stores and small food businesses. Income is real but mostly cash, and documents are often incomplete.
Your team gets a checklist of what's on file, with cash flow explained in the applicant's own interview.
Multiple accounts, one owner
Several branches or suppliers, more than one bank account, and books kept by hand or by a part-time bookkeeper.
Your team gets sales, deposits and tax filings compared side by side, with any gaps flagged.
Audited statements, larger tickets
Established businesses with audited statements, expansion plans and a credit committee that wants clear answers.
Your team gets a structured file ready for committee, with open items already listed.
What your credit team receives
A file built for credit committees
Every element says where it came from and how it was checked.
- Evidence status: declared, document-extracted, cross-checked or reviewer-resolved
- Open items: missing documents and conflicts, with the assigned reviewer and date
- Interview record: the applicant's answers in order, labelled as statements
Sample file summary
- Borrower
- Dela Cruz Carinderia (example)
- Documents
- 4 of 6 on file
- Open items
- Income tax return, six months of bank statements
- Conflict
- Declared revenue above average deposits. Reviewer assigned.
- Interview
- Completed, transcript saved
Example only. Real files depend on the documents each applicant provides.