Faster Approvals, Happier Borrowers
Nowdesk helps lending platforms automate loan enquiries, collect documents via chat, and keep borrowers informed at every stage — reducing cost-per-acquisition and improving repayment rates.
Qualify Leads Before They Apply
Capture and pre-screen borrowers digitally, reducing cost-per-acquisition and time spent on ineligible applications.
- Loan eligibility pre-screening bots via WhatsApp and web chat
- Lead capture from comparison site and ad campaign traffic
- Product education content delivery for first-time borrowers
- Click-to-WhatsApp from financial ads for instant engagement
- Broker referral programme management and tracking
Streamline Applications to Decisions
Remove friction from the application process with automated document collection and real-time status updates.
- Document collection via WhatsApp with guided submission flows
- Identity verification and KYC flows in-chat
- Loan offer delivery and digital acceptance in conversation
- Credit decision notifications with next-step guidance
- Loan agreement signing guidance and confirmation delivery
Reduce Defaults, Increase Loyalty
Proactive repayment communications and refinancing offers keep borrowers on track and coming back for future products.
- Repayment reminder automation timed to payment due dates
- Early repayment offer delivery for ahead-of-schedule borrowers
- Refinancing and top-up opportunity alerts at the right moment
- Payment difficulty management flows with restructuring options
- Loyalty rate review notifications for returning borrowers
Built for Financial Services · Lending Platforms
Loan Eligibility Bot
Pre-screen borrowers conversationally before they apply — capturing income, employment, and purpose data to qualify leads and set expectations.
Document Collection Automation
Guide borrowers to submit payslips, bank statements, and ID documents directly via WhatsApp — reducing manual chasing and processing time.
Credit Decision Notifications
Deliver approval, conditional approval, and decline notifications instantly via chat, with clear next steps for each outcome.
Repayment Reminder Flows
Automated reminders sent 7, 3, and 1 day before each payment due date reduce late payments and default risk significantly.
Refinancing Alert Delivery
Identify borrowers approaching their end of term and proactively offer refinancing or top-up products at the optimal moment.
Broker Referral Management
Manage broker partner communications, lead tracking, and commission notifications through a dedicated inbox and automated flows.
Omnichannel Support Inbox
Unify WhatsApp, SMS, Messenger, and web chat into one workspace so your lending team handles all borrower communications efficiently.
Payment Difficulty Flows
Identify at-risk borrowers early and initiate structured conversations about payment plans, extensions, or hardship programmes.
Compliance Messaging
Full audit trails, consent management, and responsible lending disclosure delivery ensure every borrower interaction meets regulatory requirements.
Results That Speak for Themselves
"Loan enquiry handling time dropped by 65% after we automated eligibility screening and document collection via WhatsApp. Our underwriting team now focuses on decisions, not data gathering."
"We compressed our application-to-decision timeline from six days to 48 hours by automating document collection and status communications. Conversion rates improved immediately because borrowers weren't dropping off during the wait."
"Our default rate fell by 35% after deploying Nowdesk's repayment reminder flows. Borrowers who receive a WhatsApp reminder three days before their due date pay on time at dramatically higher rates than those who only receive email."
Built for the Conversion and Compliance
Demands of Digital Lending
Lending platforms compete on speed and simplicity. Nowdesk helps you deliver both — compressing application timelines, reducing defaults, and keeping borrowers engaged for repeat products.
- Pre-Screening at Scale Qualify thousands of loan enquiries automatically so your underwriters spend time on viable applications, not ineligible leads.
- Frictionless Document Collection WhatsApp-based document submission removes the single biggest drop-off point in the digital lending funnel.
- Proactive Default Prevention Timely repayment reminders and early payment difficulty detection reduce defaults before they happen.
- Compliance by Design Responsible lending disclosures, consent records, and full audit trails ensure every borrower interaction meets regulatory standards.
Common Questions
The bot conducts a conversational eligibility assessment via WhatsApp or web chat, collecting key data points such as income, employment status, loan purpose, and credit history indicators. Results are scored against your eligibility criteria and passed to your CRM or underwriting system via API, flagging qualified leads for follow-up.
Yes. Borrowers submit documents directly via the chat interface. Nowdesk is designed with security in mind, and collected documents can be passed to your KYC verification provider or internal systems via secure API integration. All transmissions are encrypted and access-controlled.
Reminder flows are configured based on your payment schedule data, which Nowdesk receives via API integration with your loan management system. You define the timing (e.g., 7 days, 3 days, 1 day before due date) and message content. Reminders are personalised with the borrower's name, amount due, and payment reference.
Yes. Nowdesk integrates with lending platforms and loan management systems via REST API and webhooks. This enables real-time data exchange for application status, repayment schedules, and borrower account information, powering personalised conversations without manual lookup.
Payment difficulty flows are triggered when a borrower misses a payment or responds to a reminder indicating financial stress. The bot guides them through available options — payment extensions, restructuring, or hardship programmes — and routes complex cases to a specialist agent with full conversation context.
Yes. Nowdesk supports distinct workflows for consumer and SME borrowers, with separate routing, different document collection flows, and tailored messaging for each segment. You can run both operations from a single platform with separate inboxes and agent teams.