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Bank + Lending + Insurance · Available now

Review credit and insurance applications with evidence behind each decision.

Bank + Lending + Insurance runs commercial loan applications from borrower preparation through credit review, verified funding and repayment servicing. Credit Officer prepares the application and supporting files.

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  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewApplications Awaiting Review
Bank + Lending + Insurance · Loan applications

Applications Awaiting Review

approval waits for the independent credit approver

New loan application
Loan applications in view
6
Total requested amount
3,130
Decision due date within 14 days
2
Application numberBorrowerRequested amountRequested term monthsRevisionDecision due date
LA-60202Larkspur Dental Group44026075011 Oct
LA-97377Cedar Vale Packaging4803057027 Oct
LA-73502Elmshore Textiles7406070013 Oct
LA-39906Elmshore Textiles30086084013 Oct
LA-97311Larkspur Dental Group71087012011 Oct
6 of 6 records
Larkspur Dental GroupLoan applications · LA-60202
Requested amount440
Requested term months260
Revision750
Decision due date11 Oct
Credit officerDaniel Mwangi
Decide creditLA-60202 · Larkspur Dental Group

Independent Credit Approver approves the exact application revision or declines with a reason.

Waiting for Independent Credit Approver
ApproveReturn
Example screen with sample data
Tables, ready to use
17
Saved views
16
Roles with set permissions
5
Reports and dashboards
8
Features

Work from the application and its evidence

Every feature works on the same records. Pick one to see the screen your team works in.

Borrowers and products

Connect each application to the right borrowing entity and lending product.

  • Borrower identity
  • Relationship context
  • Product parameters
  • Borrowers
  • Loan products
  • Organizations
  • Team members
  • Users
  • Loan applications
Explore borrowers and products
OverviewActive Borrowers
Bank + Lending + Insurance · Borrowers and products

Active Borrowers

Borrowers

New
Borrower codeLegal nameEntity typeIndustryRisk ratingOrganization
BOR-CVP-001Cedar Vale PackagingCorporationManufacturing1 StrongNorth Quay Funding
BOR-NPF-002North Pier FabricationLLCHealthcare2 GoodCedarline Credit Union
BOR-LDG-003Larkspur Dental GroupPartnershipRetail3 AcceptableCedarline Credit Union
BOR-MFF-004Morrow Field FoodsSole ProprietorConstruction4 WatchPine Ledger Capital
BOR-SGL-005Summit Grove LogisticsNonprofitTransportation5 SubstandardCedarline Credit Union
6 of 6 records
BOR-CVP-001Borrowers · BRR-20534
Corporation
Legal nameCedar Vale Packaging
IndustryManufacturing
Risk rating1 Strong
OrganizationNorth Quay Funding
Example screen with sample data
Process

Follow lending through confirmed effects

Application to reconciled loan servicing ships ready to use. 2 steps need a named approval before the work moves on: Decide credit (Independent Credit Approver) and Review bundled application (Independent Credit Approver).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Prepare application

    Gather the borrower request and documents for review.

    Larkspur Dental GroupLA-60202 · Credit Officer
    Prepare applicationBy Credit Officer

  2. Decide credit

    Decide the amount, rate and term on the reviewed revision.

    Larkspur Dental GroupLA-60202 · Independent Credit Approver
    Decide creditBy Independent Credit Approver
    ApprovalIndependent Credit Approver approves the exact application revision or declines with a reason.

  3. Review bundled application

    Review the linked offer while preserving provider decisions.

    Larkspur Dental GroupLA-60202 · Independent Credit Approver
    Review bundled applicationBy Independent Credit Approver
    ApprovalIndependent Credit Approver decides the submitted bundle for the same parent and revision.

  4. Book and fund

    Book approved terms and record actual provider releases.

    Larkspur Dental GroupLA-60202 · Independent Credit Approver
    Book and fundBy Independent Credit Approver

  5. Apply repayment

    Allocate verified receipts within the money received.

    Larkspur Dental GroupLA-60202 · Independent Credit Approver
    Apply repaymentBy Independent Credit Approver

  6. Reconcile effects

    Confirm the recorded effects and investigate exceptions.

    Larkspur Dental GroupLA-60202 · Independent Credit Approver
    Reconcile effectsBy Independent Credit Approver

Start with Application to credit decision

Inside a record

Connect review with funding and servicing

Open any loan application to see its application evidence, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Requested amount, Requested term months, Revision and Decision due date.

  2. 2
    Application evidence

    Each line is linked to this loan application.

  3. 3
    Who works on it

    Credit Officer, Independent Credit Approver and Auditor, each with their own permissions.

  4. 4
    Process stages

    Prepare application and Review bundled application, with the role that acts.

  5. 5
    Approvals

    Decide credit and Review bundled application, with who decides.

Applications Awaiting ReviewLarkspur Dental Group
Bank + Lending + Insurance · Loan applications

Larkspur Dental Group

Log activity
1
Record details
Requested amount440
Requested term months260
Revision750
Decision due date11 Oct
2
Application evidence

Larkspur Dental Group

Evidence codeDocument typeLoan application
BANK-STMT-3MOTax ReturnSummit Grove fleet renewal
TAX-RETURN-2025Financial StatementMorrow Field cold storage loan
COLLATERAL-APPRAISALBank StatementElmshore inventory financing
Application evidence
6
Total revision
3,260
3

Who works on it

  • Credit OfficerManage bundled applications, loan applications, record…
  • Independent Credit ApproverView application evidence, Borrowers, bundled applications…
  • AuditorView application evidence, Borrowers, bundled applications…
4

Process stages

  • Prepare applicationCredit Officer
  • Review bundled applicationIndependent Credit Approver, Credit Officer
5

Approvals

  • Decide creditIndependent Credit Approver
    Approved
  • Review bundled applicationIndependent Credit Approver
    Waiting
Example screen with sample data
Approvals

Keep independent decisions accountable

OverviewApprovals
Bank + Lending + Insurance · Overview

Approvals

Signed in as Independent Credit Approver

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • LA-60202Larkspur Dental Group
    Requested by Daniel Mwangi
    Waiting1dActions
  • LA-97377Cedar Vale Packaging
    Requested by Tariq Hassan
    Waiting1dActions
  • LA-73502Elmshore Textiles
    Requested by Daniel Mwangi
    Waiting4dActions
  • LA-39906Elmshore Textiles
    Requested by Hiro Tanaka
    Waiting3dActions

Who approves what

DecisionApprover
Decide creditDecide the amount, rate and term on the reviewed revision.Independent Credit Approver
Review bundled applicationReview the linked offer while preserving provider decisions.Independent Credit Approver
2 approval rules · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Bank + Lending + Insurance to the work that is theirs. Pick a role to see what it starts with.

Credit Officer

Prepare assigned operational records and execute eligible reviewed actions.

This is the first screen this role sees.

OverviewApplications Awaiting Review

Applications Awaiting Review

Loan applications · Credit Officer

Application numberBorrowerRequested amountRequested term monthsRevisionDecision due date
LA-60202Larkspur Dental Group44026075011 Oct
LA-97377Cedar Vale Packaging4803057027 Oct
LA-73502Elmshore Textiles7406070013 Oct
LA-39906Elmshore Textiles30086084013 Oct
LA-97311Larkspur Dental Group71087012011 Oct
6 of 6 records
Example screen with sample data

Roles and permissions

Reports

Explain the lending position

Explain requested credit, confirmed funding and servicing exceptions from their records.

Overview
Bank + Lending + Insurance · Overview

Bank + Lending + Insurance dashboard

This quarter

Bundled applications in view
6
Total requested credit USD
3,410

Loan applications by status

How far records got this quarter

StageReachedStep
Draft44
Submitted2455%
Under review1563%
Approved1067%

Requested amount by status

Sample totals per stage

10.0k0
10.0kDraft
6.0kSubmitted
8.0kUnder review
9.0kApproved
10.0kDeclined
Example screen with sample data
  1. 01Application Pipeline

    Which requests are still being prepared, awaiting review or approved, and how do requested amounts compare with approved amounts?

  2. 02Borrower Exposure

    What outstanding principal belongs to each borrower, and which accounts need attention because of their status or days past due?

  3. 03Credit Decision History

    Who reviewed each revision, what did they decide and which conditions or reasons explain the result?

  4. 04Bundled Review Outcomes

    Group bundled applications by Status and Organization and show requested credit USD and decision at without interpreting approval as insurance issuance.

  5. 05Verified Funding

    Which released tranches have confirmed provider evidence, and how do they compare with the account's disbursed principal?

  6. 06Installment Collection Position

    What is due on the applicable schedule, what has been allocated and which allocations have been reversed?

  7. 07Servicing Change History

    List loan changes by change type and effective date with Loan, Reason, approved by and prior schedule version.

  8. 08Operational Exceptions

    Which operations still need investigation because the result failed or its expected effect cannot be confirmed?

All reports and dashboards

Who it's for

Fit the way your lending team works

See how Bank + Lending + Insurance fits your kind of team.

Commercial bank lending teams

Coordinate business lending applications with independent review and verified funding.

Equipment and commercial finance providers

Follow equipment requests from supporting evidence through tranches and repayment.

Lenders coordinating insurance offers

Review linked lending and insurance applications without merging provider authority.

Controls

Check revisions and confirmed money

Each stage of application to reconciled loan servicing names the role that acts and the status it records, so a change is never anonymous.

OverviewApplication to reconciled loan servicing
Bank + Lending + Insurance · Process

Application to reconciled loan servicing

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
2
Roles involved
4
Tables touched
17
Submit for reviewApproval
Independent Credit Approver, Credit Officer
StatusDraft → Submitted
RecordsOperation receipts
Decide creditApproval
Independent Credit Approver
StatusUnder review → Approved
RecordsOperation receipts
Review bundled applicationApproval
Independent Credit Approver, Credit Officer
StatusDraft → Submitted
RecordsBundled applications, Operation receipts, Loan applications
Application to reconciled loan servicing
  1. Start
    Establish lending scopeApp Administrator
    Loan products
  2. Approval
    Submit for reviewDraft → Submitted
    Operation receipts
  3. Approval
    Decide creditUnder review → Approved
    Operation receipts
  4. Approval
    Review bundled applicationDraft → Submitted
    Bundled applications
  5. Step
    Book and fundScheduled → Released
    Repayment schedules
Example screen with sample data

See each stage in detail

AI agent

Prepare the next action with Proto

Prepare lending work and investigate evidence with an assistant under your permissions.

It can

  • Credit Officer: List my submitted applications and identify evidence still awaiting verification before the review meeting.
  • Independent Credit Approver: Compare the requested and approved terms for this application revision and show the linked decision evidence.
  • Auditor: Trace this released disbursement to its provider event and operation receipt, then identify any unresolved reconciliation result.
  • App Administrator: Find active borrower records that need an organization or membership review before the pilot import.

Stays with a person

  • Proto can help prepare configuration and summarize authorized records.
  • A lending decision still belongs to Independent Credit Approver through the configured approval route.
  • The assistant cannot substitute a prediction for a provider's actual disbursement or insurance decision.
  • It must respect record access and the guard on repeated allocations.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Bank + Lending + Insurance
  • Disbursement provider
  • Repayment source
  • Insurance provider
  • Document source
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 17 tables
17tables
  • Borrowers and products6
  • Application preparation6
  • Credit and bundle review6
  • Funding and schedules5
  • Repayments and servicing6
  • Evidence and reconciliation6
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Agree the operating scope

    Choose the lending organization, product and team for the pilot. Confirm the approval policy, preparation responsibility and provider contacts. Decide when a linked insurance offer belongs in a bundled application.

  2. Prepare the reference records

    Establish users and team membership, then import borrowers and product parameters. Check legal identities and organization references. Agree who maintains changes and how inactive products are handled during application preparation.

  3. Rehearse review

    Prepare a representative request with its evidence. Submit the revision and have Independent Credit Approver approve or decline it. Repeat with changed terms, a preparer’s approval attempt and an application outside the user’s organization.

  4. Connect funding and receipts

    Configure the provider handoffs and test the actual identifiers returned. Book approved terms, confirm a disbursement and inspect the repayment schedule. Use a held release and a repeated callback to test exception handling.

  5. Exercise servicing

    Allocate a verified receipt within its amount, then repeat against the same schedule. Rehearse a reviewed servicing change and a correction of executed scope. Retain the original records and verify the successor evidence.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Bank + Lending + Insurance.

All questions
How do I get started?

Click Get started, then use Proto to configure Bank + Lending + Insurance for your business. Begin with a lending organization, a product and a representative borrower request. Rehearse independent review, a provider-confirmed release and a verified repayment before expanding the pilot.

What does the team prepare for review?

Credit Officer records the requested amount, purpose and term, selects the borrower and product, and gathers supporting documents. Independent Credit Approver examines the submitted revision with its evidence and records approved terms or a decline reason.

Who decides a lending application?

Independent Credit Approver decides the exact application revision through the authorized underwriting route. Configure the team's approval policy and access during setup. Being able to read the review queue does not give a preparer authority to approve a request.

How does the insurance offer fit?

A bundled application connects the applicant, requested credit and insurance offer with the parent loan application. Independent Credit Approver reviews the submitted bundle revision. The lending provider's decision and the insurance provider's issuance decision remain separate outcomes followed through their agreed connections.

Does approval mean the loan is funded?

Funding follows the approved terms through the disbursement provider. The lending account records actual disbursed principal, and each tranche retains its amount and provider event. A held or unconfirmed release remains an exception until the team can verify the outcome.

How are repayments applied?

The servicing workflow imports verified receipts and allocates principal, interest and fee components to the repayment schedule. Combined allocations stay within the actual receipt. A partial or unapplied amount remains visible for investigation.

What happens if allocation is requested again?

The guarded route checks the schedule identity and blocks another allocation while an unreversed allocation exists. Rehearse repeated and page-triggered requests during setup. Agree the reviewed handling for later receipts or corrections without bypassing that guard.

Can the team change a repayment schedule?

Reviewed servicing changes retain their effective date, reason, recorded approver and prior schedule version. Agree who authorizes each change type and how it reaches the servicing workflow. Keep the earlier schedule and allocation evidence available when explaining the account position.

How are uncertain results investigated?

Reconciliation compares operation receipts with persisted effects and their identities. It records Completed when the expected effect is confirmed, or Needs review when it cannot be confirmed. The responsible person investigates before another instruction is attempted.

What should we bring to implementation?

Bring borrower and product records, the approval policy and examples of application evidence, booked facilities and receipts. Identify the funding, repayment and insurance provider contacts. Include a declined application, held disbursement and correction case in the implementation rehearsal.

Set up Bank + Lending + Insurance your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

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