Because the RAF check happened at design time, the credit decision moves through a light-touch path. Reviewers approve substance, not paperwork.
Documents pre-fill from Phase 2 design data. Client data is verified against internal systems automatically. The 30/60/90 milestone plan is locked at signature and starts tracking in Phase 4. Five business days from approved structure to funded facility.
This is where the customer-led operating model rewards the discipline of the prior phases. It assumes the institution’s Lending Process, Risk Analytics, and Data Management are already running. Light-touch only works because the structure was already validated against the foundations.
Five activities. Approval moves at the speed of policy alignment, not the speed of paperwork.
Sector cap, RAROC, DSCR, collateral checks fire automatically
Reviewers focus on substance, not on documentation hunts
Standard templates populate from Phase 2 design data
Verify, sign, disburse, register the new facility
Milestone plan starts tracking from day one
Decide and Onboard tools collapse the cycle that traditionally costs banks the most days. The structure was designed within policy. The decision confirms it. The onboarding executes it.
Standardized memo that links problem archetype, toolkit components, financial analysis, and RAF check results in one structured document. Auto-populated from Phase 2 design. Reviewers spend their time on substance, not assembly.
View the toolEmbedded list of risk and policy validations. Sector cap, tenor band, DSCR floor, RAROC threshold, collateral coverage, legal compliance. Each check is binary, evidence-backed, and visible to the RM at submission.
View the toolPre-filled standard documents drawn from Phase 2 toolkit selections and Phase 1 client data. Term sheet, facility agreement, covenant schedule, security documents. The RM reviews. The system drafts.
View the toolTracks documentation collection, KYC validation, account opening, security registration, signature workflow. Status visible end-to-end. Clear ownership of every step. No surprises at disbursement.
View the toolLocked at signature. Defines what the client and the bank will check at thirty days, sixty days, ninety days. Becomes the input to Phase 4 Run and Review. The client knows what success looks like before the first drawdown.
View the toolWatch the four policy gates fire on the proposal designed in Phase 2. Sector cap, RAROC, DSCR, collateral, all PASS. The light-touch path activates. Documents pre-fill. The 30/60/90 plan locks in. Five business days from approved structure to funded facility.
Open the Karibu Logistics file, day three of five. The Policy Gatekeeper has fired all four checks. Sector cap at 62% of allocated. RAROC at 14.8% versus 12% minimum. DSCR 1.42 versus 1.20. Collateral coverage 1.65x versus 1.30x. Light-touch path active. Onboarding eight of eight documents pre-filled. Client signature pending. The 30/60/90 plan locks at signature and starts tracking automatically.
Launch the demo →If the risk appetite check happens at design time, approval should be a confirmation, not a re-investigation. Reviewers approve substance, documents pre-fill, and onboarding starts on day one. The committee's time goes to judgment, not paperwork.
Christian Ruehmer, Co-Founder, Q-Lana
Two places Decide & Onboard shows up next.
The light-touch approval workflow, the Policy Gatekeeper logic, and the document automation that turns a five-day approval into a five-day signature.
Training credit teams to operate the light-touch path. Embedding the gatekeeper logic. Building the override discipline that protects the speed without losing the rigor.
Most banks lose more days in approval and onboarding than in any other phase. The toolkit collapses that cycle by moving the policy check upstream. By the time the credit committee sees the file, every gate is already green. Reviewers approve substance. The bank funds the facility. The client gets the answer they need in days, not weeks.
No pitch deck. A working session on where the relationship is held back by the operating model, and what changes when the bank moves from product-pushing to problem-solving.
Curated news with practitioner commentary. One Deep Dive in rotation. One applied tool. Read in fifteen minutes. Used the same week.