Decisioning

Find unique lending opportunities

Forward-looking affordability and sector-specific models find good risk opportunities overlooked by other lenders

Increase your risk aperature

Insert sub-sector economic outlooks and internal cost-to-serve data to drive accurate, profit-maximising risk decisions.

Improve data efficiency

Only collect the data you need, when you need it to reduce data costs and avoid unnecessary customer churn and application abandonment.

Quick and cost-effective decision making

Abel’s origination framework understands the lender with 5 simple questions. Using advanced data science, in-depth analysis and real-world lending experience Abel provides realistic and fast origination offers.

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    "message": "Success",
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            {
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            {
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curl -L 'https://dev-api.beabel.io/api/v1/decisioning/create-firm-offer' \
-H 'x-api-key: jK89BOl6t6tF41roNYcGI6GmLGCACOC54TPlo9Fq' \
-d '{
    "companyId": "3055356223458117123",
    "productName": "term-loan",
    "term": 36,
    "fundingLimit": 200000,
    "monthlyInterestRate": 0.012,
    "setupFee": 0.045
}'

Explore our documentation

A fully programmatic credit stack.

Browse our API reference

Project customer performance and risk

Use historical transactional data and forward-looking economic scenarios to predict future performance, affordability and risks to credit worthiness of any SME borrower.

200+ fully configurable risk parameters

Abel provides complete control over 200+ risk parameters used in the decision process. Each parameter is completely controllable in no-code, and allows individual configuration for each product and offer types.

Fast-track safe bets for a better customer experience

Safely fast-track low-risk applicants through the decisioning and onboarding process, providing a fast and efficient customer service and reducing processing load on your risk and operations team.

Deep transaction analysis across paper statements and Open banking data

Safely fast-track low-risk applicants through the decisioning and onboarding process, providing a fast and efficient customer service and reducing processing load on your risk and operations team.

Fully featured across the entire lending journey

Dynamic product selection

Provide multiple product offers throughout your application process, maximising eligibility.

Quick offers in under a minute

Provide customers with multi-product soft offers generated in 60 seconds on 5 data points.

Open Banking driven forecasting

Conduct forward-looking transaction analysis and monitoring via Open Banking connections

Cost-conscious decision making

Smart decision model sequencing optimises accuracy whilst minimising data costs.

Automated fast-track originations

Safely fast-track credit-worthy customers through the approval process.

Customer-level early-warning alerts

Vigilantly monitor customer credit health, enabling proactive customer support.

Behavioural PD analytics

Combine servicing, economic and bureau data to track customer default probability.

Sub-sector economic forecasting

Track economic indicators across 400+ sub-sectors to find unique lending opportunities.

Instant risk parameter adjustment

Execute instant changes to your risk policy with granular, no-code risk parameters.

Make confident decisions where others cannot

Benefits