Dual-track onboarding
Individual and corporate paths. The corporate path collects CAC and two signatories — it is not the individual form with a new header.
Digital onboarding · Instant pre-qualification
Built for investment and lending desks.
Onboarding + scored loan files. Human still approves.
Your clients go from “Open an account” to a pre-qualified amount in about five minutes. Your officers open a scored file — not a blank PDF.
- ~5 minto a pre-qualified result
- 13screens, nothing extra
- 1human decides every file
Private document vault
Your rules set the amount
A human approves
Sandbox KYC, clearly labelled
The problem
The PDF is the old door.
A five-minute file is next.
Most boutique desks still open accounts with a downloadable form and take loan enquiries through a rate calculator. Staff re-key. Files sit until Thursday. Officers start from a raw scan.
Before
- Print, sign, scan, email
- A calculator that creates expectations
- An inbox as the queue
- Two officers, two limits
With FastTrack
- Five-minute digital onboarding
- Statement or SMS read automatically
- A scored queue with a status for every file
- One rules file, one number
How it works
Four steps. One scored file.
Individuals and companies walk the same short path. Both end with a signature and a result — not a “we will email you”.
-
1
Details
Individual or corporate. Personal details, or RC number and two signatories. Progress saves as you go.
-
2
Identity
BVN and NIN checked against the identity register. Only the last four digits are kept.
-
3
Statement or SMS
Upload a government ID plus a statement — or paste three months of bank-alert SMS.
-
4
Sign
Sign on the screen. FastTrack reads the statement, applies the firm’s rules and returns a result.
Pre-qualification result
Up to NGN 1,240,000 Elevated review
Example from the demo persona “Adaeze”. A pre-qualification, not an offer of credit — a specialist reviews every file.
Product
A front door that matches the brand.
Built for private-client and SME ticket sizes, not payday lending. Every feature exists to put a complete file in front of a decision.
Statement & SMS intelligence
Reads a PDF statement or pasted GTBank, Access, Zenith, UBA or FirstBank alerts into income, spend and existing repayments.
Rules, not guesses
Amount and risk tier come from your policy file — income multiple, caps and haircuts. Change the multiplier in a meeting.
Officer dashboard
A queue with filters, a file with documents, extract, narrative and notes — and approve, more-info or decline in one click.
Private document vault
ID, statements, CAC and signatures land in private storage under the applicant’s ID. Short-lived links. Nothing is emailed.
On-screen signature
Sign with a finger or mouse; the legal name and timestamp sit under the stroke. No courier, no printer.
For loan officers
Read six sentences. Decide.
Every morning starts with a queue, not an inbox. Each file shows the rules-engine amount, the risk tier, the warnings that matter and a short narrative — with the original documents one click away.
- Applicant and officer always see the same amount
- Flags for other lenders, reversals and thin history
- Notes and decisions update the client’s status page
ApplicantTierPre-qualifiedStatus
Adaeze O.Individual · 3h ago
Medium
NGN 1,240,000
New
Ibrahim M.Individual · 5h ago
High
NGN 410,000
More info
Northshore TradingCorporate · 1d ago
Medium
NGN 3,780,000
Approved
Security & honesty
What FastTrack is — and is not.
It is
- A digital application file with a human decision at the end
- Row-level security: applicants see only their own file
- Private storage, signed links that expire in minutes
- BVN and NIN stored masked — last four digits only
- Built to be NDPR-aware: minimum collection, delete on request
It is not
- An offer of credit — results are pre-qualifications
- An automatic approval — the model never sets the amount
- Live identity verification in this build — KYC runs in a clearly labelled sandbox
- A core-banking, disbursement or collections system
Get FastTrack
One app for applicants on Android and the web. Officers use the same web app at /officer.
Pilot build · sandbox identity checks · seed data for demos
FAQ
Questions clients ask first.
Is the amount an offer of credit?
No. It is a pre-qualification based on the firm’s lending rules. A specialist reviews every file, and any offer comes with its own documentation.
Who decides whether I get a loan?
A person. FastTrack prepares a complete, scored file so the loan officer can decide quickly. The software never approves a loan on its own.
Is my BVN or NIN verified live?
Not in this pilot build. Identity checks run against a sandbox register and the app says so on screen. Going live means the firm contracts a licensed verification provider.
What documents do I need?
A government ID and either a 3–6 month bank statement or three months of bank-alert SMS. Companies also upload a CAC certificate and add two signatories.
Where do my documents go?
Into private storage linked to your application. They are not emailed, links to them expire within minutes, and you can ask for your data to be deleted.