Flightline LogoFLIGHTLINE
USE CASE // LENDING

Consistent lending decisions as systems change

Verify credit approvals, declines, and exceptions follow policy. Even as rules engines, vendors, or automation evolve.

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WHERE FLIGHTLINE FITS

Verification after decisioning, before funding

Your decisioning engine approves loans. Flightline verifies those decisions followed your stated policy.

Application
Credit Pull
Decisioning Engine
Approved at 12.5%
Flightline Verifies
Did rate match policy?
Funding

Flightline doesn't make credit decisions. It verifies the decisions your system made comply with your policy.

VERIFICATION AT THE SPEED OF DECISIONING

Same-day funding, verified

Traditional QC review takes 1-3 days. Flightline verifies in under an hour.

Traditional QC Review1-3 days
Flightline<1 hour
Automated decisioning deserves automated verification
24-72x
Faster verification
Every
Decision verified
Before
Funds move
01
THE PROBLEM

Lending is getting faster.
Verification isn't.

Non-mortgage lending has embraced automation. Decisions that once took days now happen in seconds. AI assists underwriting. Rules engines encode policy. Vendors provide scoring.

But the systems making these decisions are changing constantly: model updates, policy revisions, vendor changes, new automation.

How do you know decisions still follow policy after each change?

COMMON CHALLENGES
  • !Thin documentation of why decisions are made
  • !Inconsistent policy enforcement across systems
  • !No record of how decisions change over time
  • !Audit findings after the fact
02
WHERE IT APPLIES

Decision verification across lending types

Flightline works wherever credit decisions need to be consistent, explainable, and defensible.

Consumer Installment Lending

Personal loans, auto loans, point-of-sale financing

→Rapid decisioning requirements
→Thin credit files
→Fair lending compliance

SMB Financing

Business lines of credit, equipment financing, merchant cash advances

→Complex underwriting criteria
→Limited financial history
→Inconsistent documentation

Embedded Finance

BNPL, in-app lending, platform-integrated credit

→High velocity decisions
→Multiple partner policies
→Real-time policy enforcement

Credit Card & Revolving Credit

Credit line management, limit adjustments, account reviews

→Ongoing account decisions
→Behavioral scoring
→Adverse action requirements
03
WHAT WE VERIFY

Policy verification for lending decisions

Flightline tests whether actual decisions match stated policy, and surfaces where they diverge.

01
Credit Decisions
Are approvals, declines, and conditional offers following stated policy?
WHEN IT FAILS
Same applicant profile gets different outcomes on different days
IMPACT
Fair lending violations, regulatory findings
02
Pricing Consistency
Are rates and terms being applied consistently across similar risk profiles?
WHEN IT FAILS
Rate variations that can't be explained by documented factors
IMPACT
Discrimination claims, audit failures
03
Exception Handling
Are policy exceptions documented and within authorized limits?
WHEN IT FAILS
Undocumented overrides or exceptions beyond authority
IMPACT
Credit losses, compliance gaps
04
Adverse Action
Are decline reasons accurate and compliant with disclosure requirements?
WHEN IT FAILS
Generic or inaccurate reasons provided to applicants
IMPACT
ECOA/FCRA violations, regulatory action
05
System Changes
Do policy updates and system changes produce expected decisioning behavior?
WHEN IT FAILS
New rules or model updates create unintended outcomes
IMPACT
Unexpected portfolio performance, compliance drift
04
THE OUTCOME

The first system of record for
why credit decisions were made

Flightline creates an audit trail that shows what policy said, what the system did, and where they aligned or diverged. For every decision type you care about.

Consistent Enforcement

Same policy, same outcomes. Across systems and over time.

Audit-Ready Evidence

Documentation that shows why decisions were made.

Change Confidence

Update systems without wondering what broke.

Ready to verify your lending decisions?

Talk to us about how Flightline can help ensure your credit decisions follow policy.

Talk to usSee how it works