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Commercial & Lending
Prove origination and onboarding journeys before they ever touch a customer.
Evaluate decisioning, onboarding and document vendors across commercial and SME lending on synthetic applications, then evidence the journey end to end.
6–8 wks
concept to proven journey
350+
vendors to compose
0
real applicant data exposed
The problem
Every month an origination journey waits in procurement is a month of lost lending.
Commercial and SME journeys stitch together identity, affordability, fraud and decisioning vendors, each a separate contract, each a separate evaluation, each one slow. The result is decision latency: by the time the journey is approved, the opportunity has moved. NayaOne pre-integrates the components so teams compose and prove the whole journey in one environment, on synthetic data, under one contract.
What teams prove here
Every test runs in an air-gapped workspace, on representative data, with an evidence pack at the end.
Origination & decisioning
Test affordability, credit and decisioning vendors on synthetic applications and compare outcomes on equal footing.
Onboarding & KYB
Prove business onboarding and KYB flows against synthetic entity and document data before exposing them to customers.
Composable journeys
Wire multiple pre-integrated vendors into one end-to-end journey and measure friction, drop-off and handling time.
One contract
Evaluate fourth-party components under a single NayaOne agreement with back-to-back coverage, not a chain of contracts.
The data
Representative by default. Real only if you choose.
Synthetic datasets come pre-loaded, so evaluation starts on day one with zero exposure.
Synthetic loan & credit applications
Synthetic business entity & KYB data
Synthetic bank statements for affordability
Straight answers
Q.
Do we contract with every vendor in the journey?
No. You contract once, with NayaOne, as the single supplier, with back-to-back coverage on IP and confidentiality. Legal manages one relationship.
Q.
Can we test the full journey, not just one tool?
Yes. Because the components are pre-integrated, you compose and evaluate the end-to-end journey, which is where the real friction hides.
Q.
How does this shorten time to lending?
Evaluation that took months of procurement collapses to weeks, so a proven journey reaches customers while the opportunity is still there.
Prove it on your use case.
A 30-minute walkthrough, scoped to exactly what you’re trying to evaluate.