Loan Eligibility Prediction

AI-Powered Loan Eligibility Prediction for Faster Approvals

Introduction

Traditional loan eligibility checks often result in delays, missed opportunities, and inconsistent outcomes. Glib.ai eliminates these challenges with real-time, AI-driven loan eligibility prediction — enabling banks and NBFCs to approve the right customers faster, with higher confidence and lower risk.

"GLIB.ai will help us assess merchant risk in a better and more efficient manner. With FinRay, we can quickly analyze key ratios from financial statements across multiple languages."

Francesco Garcia

Director - Merchant Credit Risk

Other Use Cases

Underwriting Automation Credit Scoring Fraud Detection Automated Document Processing Loan Eligibility Prediction

Key Benefits

Real-Time Creditworthiness Assessment: Analyze thousands of variables instantly — including income flows, expense ratios, bank statements, ITRs, bureau reports, and alternate data sources like GST, e-commerce, and utility payments.
Improved Loan Approval Rates: Identify high-potential borrowers who may be missed by rule-based models. Our AI expands your addressable market by uncovering eligibility from non-traditional signals.
Risk-Based Lending Decisions: Ensure smart lending with predictive analytics that measure default probability and financial health — helping underwriters balance growth and NPA control.
Instant Eligibility Feedback: Pre-qualify or reject applicants within seconds, even during onboarding or at the point of sale.
Fully Integrated with Lending Ecosystem: Connects directly to Loan Origination Systems (LOS), Loan Management Systems (LMS), and digital onboarding tools via plug-and-play APIs.

Human expertise + Machine intelligence

Assist, augment and automate.

Questions? Answers.

Here are some frequently asked questions. If you have any other questions, please feel free to contact us.

How does Glib.ai’s AI model predict loan eligibility?

Our model uses a combination of: - Transactional data (bank statements, salary credits) - Credit bureau scores - Tax filings (ITR) - Spending behavior and liabilities - Alternate sources (GST data, e-commerce profiles, utility bills) It evaluates over 200+ data points in real-time to generate an eligibility score — customized to your lending criteria and risk appetite.

Can AI-based eligibility prediction really improve loan approval rates?

Yes. Glib.ai uncovers creditworthy customers who may be rejected by rigid rule-based engines. Our clients have seen up to 30% improvement in loan disbursal rates by identifying low-risk applicants with thin or unconventional credit files.

How fast can Glib.ai assess loan eligibility?

Assessment happens in real-time, within 2–5 seconds of receiving applicant data. This enables instant pre-qualification at any stage — whether online, via agents, or at POS locations.

Is the AI-based loan prediction system compliant with Indian lending regulations?

Yes. Our solution ensures: - Fair lending practices - Transparency in scoring - Data privacy and encryption All in alignment with RBI, SEBI, and Fair Practice Code (FPC) guidelines. We also allow audit trails and model explainability for internal governance.

Can this solution integrate with our current LOS or credit platform?

Absolutely. Glib.ai is API-first, with easy integration to: - Core banking systems - LOS/LMS platforms - CRMs - Customer-facing portals We also offer sandbox environments for quick pilot deployments.

Make better and accurate decisions

Learn how AI-powered insights can help you eliminate bottlenecks and transform your organization.

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