Application-to-drawdown, re-engineered for 2026.
Every abandoned application is an acquisition cost wasted. We build AI-native application flows that pull open-banking, run KYC/KYB across Sumsub/Onfido, extract documents automatically, decision in seconds and hand a fully-packaged case to your underwriter or straight to drawdown.
Why lenders lose 40–70% of applicants between click and drawdown.
The typical UK lender application flow leaks like a sieve. A borrower starts on the marketing page, drops off at the third question, drops off again at the document upload, drops off again waiting for KYC, drops off again waiting for the underwriter, and by the time the offer is on the table has already funded somewhere faster. Every stage costs acquisition, and every abandonment is a competitor's win.
The answer is not to lower diligence. It is to raise the intelligence of the flow so that document extraction, KYC/KYB, open-banking pull and initial decisioning happen in the time it takes the borrower to make coffee — and the underwriter, when they arrive, sees a fully-packaged case with narrative, not a stack of PDFs.
What good origination looks like in 2026.
A single orchestrated flow, not a chain of vendor forms. It should produce:
- One application flow that pulls open-banking, runs KYC/KYB, extracts uploaded documents and returns an initial credit decision inside 90 seconds on clean cases.
- A pre-packaged case bundle for the underwriter on borderline cases — narrative summary, all evidence, flags, risk score, recommended action.
- A broker packaging surface where distribution is broker-led — the broker uploads once, the AI extracts and orders everything, and the case lands on the underwriter desk already complete.
- Jurisdictional and product routing (UK CONC, Ireland CBI, consumer vs SME vs bridging) with the same architecture behaving correctly per entity.
- Full audit trail for every extraction, every decision and every human override.
What KJ Capital ships.
A bespoke origination orchestration layer that sits above your LMS, your KYC/KYB vendors, your open-banking provider and your credit brain. We deliver:
- A vendor-neutral orchestrator — swap Sumsub for Onfido and the rest of the system doesn't care.
- Document extraction (bank statements, pay slips, accounts, ID, proof of address) with a per-field confidence score and a human review pack for anything below threshold.
- A case bundle generator that assembles the underwriter's summary automatically.
- Broker packaging workflows where relevant.
- An audit-grade evidence store — every extraction, decision, model version and human override captured for FCA / Consumer Duty inspection.
What lenders actually see after go-live.
What buyers ask us about this build.
Q01Do we have to replace our LMS or CRM?+
Q02How does this integrate with our broker network?+
Q03What about deposit fraud and first-party fraud?+
Q04How does it handle KYB for SME lending?+
Q05Price?+
What lenders ship alongside this one.
AI credit decisioning
Credit decisioning is the single most defensible AI investment a lender makes. We build firm-specific scorecards that combine open banking, bureau, alt-data and application signals — with explainable adverse-action notices, live A/B champion-challenger, and full audit trail for the FCA and your risk committee.
Fraud & first-party risk
Every basis point of undetected fraud is a basis point of loan pricing your good borrowers subsidise. We build fraud brains that combine identity, device, graph, behavioural and post-drawdown signals into a single defence — for consumer lenders, SME lenders, bridging shops and BNPL alike.
Broker & introducer portals
In bridging, development, asset finance, specialist consumer and BTL — the broker is your distribution. And most broker portals are DOS-era. We build the broker portal that packages cases, returns DIPs in minutes, tracks commission and quietly scores every introducer for quality.