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Xcelet

Solution · LSPs

Build once. Distribute across lenders.

Launch digital lending journeys, pre-underwrite borrowers and integrate with multiple lending partners without maintaining a separate technology stack for every lender.

Build your LSP platformExplore Integration Gateway
Lender routing
Customer application
Xcelet Integration Gateway
Lender A
Lender B
Lender C

status updates return through the same mapping

Borrower journey

A configured sequence, not a hardcoded form.

Each step captures what the downstream lender workflow needs, with consent and verification recorded in place.

  1. 01Mobile Verification
  2. 02KYC
  3. 03Profile
  4. 04Income
  5. 05Bureau
  6. 06Bank Analysis
  7. 07Eligibility
  8. 08Lender Offers
  9. 09Application Submission

Pre-underwriting

Filter before a case reaches a lender.

01

De-duplication

Identify repeat application signals before submitting into a lender workflow.

02

KYC validation

Coordinate configured identity checks and carry the status forward.

03

Bureau checks

Request and structure bureau inputs after the required consent step.

04

Bank statement intelligence

Convert supported statement data into pre-underwriting signals.

05

Eligibility

Apply configured product, income and policy criteria before submission.

06

Internal risk rules

Run LSP-level policy checks before a lender-specific process begins.

07

Document validation

Track the document set and validation states for the workflow.

Distribution

One submission path across your lender panel.

  1. Step 01

    Build journey

    Configure the borrower steps your products require.

  2. Step 02

    Verify applicant

    Run identity and account checks inside the journey.

  3. Step 03

    Pre-underwrite

    Apply bureau, statement and internal risk checks.

  4. Step 04

    Determine eligibility

    Match the case against configured product criteria.

  5. Step 05

    Route lender

    Select the destination using configured routing rules.

  6. Step 06

    Track status

    Follow a normalised status across every lender.

Experience layer

White-label surfaces for your brand.

  • Web journey
  • Mobile / DLA capability
  • Brand configuration
  • Consent workflow
  • KFS workflow
  • Customer status tracking

Surfaces included depend on the agreed implementation scope.

Operations

Visibility across lender workflows.

  • Application funnel across products and lenders
  • Submission and outcome tracking per lender
  • Conversion and distribution views for operations teams
  • Lead ownership and follow-up states

Next step

Launch a lender-agnostic borrower journey.

Tell us your product set and lender panel. We will map the journey, the pre-underwriting checks and the routing model.

Build your LSP platformExplore the Platform

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