How Sungglow increased loan approval speed by 5x in 45 days.

The challenge

Vaultex, an SME lending platform, was processing an average of 340 loan applications per week. Their credit team manually reviewed bureau data, bank statements, and financial documents for each application. Average time to decision: 3.8 days.

Borrower drop-off during the waiting period was running at 28% — meaning more than a quarter of applicants who completed an application never received an offer because they'd already gone elsewhere.

The solution

AgenticOS deployed credit decisioning agents that handled the full underwriting workflow:

• Automated data ingestion from credit bureaus, open banking feeds, and uploaded documents

• AI-powered cash flow analysis on 12 months of bank transaction history

• Dynamic risk scoring incorporating 200+ variables including alternative data signals

• Instant decision generation with plain-language explanation for declined applications

• Human review queue for edge cases and high-value applications above defined thresholds