01
MEMBER SUBMITS ENQUIRY
Members complete a guided 20 question intake covering the borrower, business, and purpose of the loan
FINANCEWERX
AI Powered SME Lending Built for Credit Unions
Ruby Loans transforms SME enquiries into structured, decision ready applications, creating a faster, simpler experience for borrowers while reducing manual intake and keeping lending decisions with your team
CONNECT WITH OUR TEAM
FINANCEWERX
AI Powered SME Lending Built for Credit Unions
Ruby Loans transforms SME enquiries into structured, decision ready applications, creating a faster, simpler experience for borrowers while reducing manual intake and keeping lending decisions with your team
RUBY LOANS
From SME Enquiry
to Decision Ready Application
20Minutes
20Questions
Verified Applicant Information
Ruby Loans guides members through a focused digital intake, validates information against your institution’s credit policy, organizes supporting documents, and prepares a structured application for lender review
Up to 80% of a typical SME lending application can be completed before it reaches the lending officer, allowing your team to focus on judgment and member relationships rather than building the file
02
RUBY VALIDATES AND SCORES
Ruby checks the information against your credit policy and risk appetite, identifies exceptions, and determines what should proceed
03
RUBY BUILDS THE APPLICATION
Financials, T2s, credit bureau information, and supporting documents are collected, classified, validated, and organized into a complete lending file
04
STRUCTURED FOR LENDER REVIEW
Your lending officer receives a structured application summary with the information needed to advance, request more information, or decline while keeping the final lending decision with your team
RUBY LOANS
From SME Enquiry
to Decision Ready Application
20Minutes
20Questions
Verified Applicant Information
Ruby Loans guides members through a focused digital intake, validates information against your institution’s credit policy, organizes supporting documents, and prepares a structured application for lender review
Up to 80% of a typical SME lending application can be completed before it reaches the lending officer, allowing your team to focus on judgment and member relationships rather than building the file
01
MEMBER SUBMITS ENQUIRY
Members complete a guided 20 question intake covering the borrower, business, and purpose of the loan
02
RUBY VALIDATES AND SCORES
Ruby checks the information against your credit policy and risk appetite, identifies exceptions, and determines what should proceed
03
RUBY BUILDS THE APPLICATION
Financials, T2s, credit bureau information, and supporting documents are collected, classified, validated, and organized into a complete lending file
04
STRUCTURED FOR LENDER REVIEW
Your lending officer receives a structured application summary with the information needed to advance, request more information, or decline while keeping the final lending decision with your team
PROVEN RESULTS
Quantifiable Impact
Ruby Loans reduces the cost and manual effort of SME lending while helping credit unions process more applications, improve completion rates, and deliver faster decisions without proportional increases in staffing
The result is greater lending capacity, less administrative work, and more time for officers to focus on growing their lending portfolio
40 – 60%
Processing Cost Reduction
3 – 5x
Application Volume Increase
1 – 2DAYS
Turnaround Time
35 – 45%
Approval Rate Improvement
PROVEN RESULTS
Quantifiable Impact
Ruby Loans reduces the cost and manual effort of SME lending while helping credit unions process more applications, improve completion rates, and deliver faster decisions without proportional increases in staffing
The result is greater lending capacity, less administrative work, and more time for officers to focus on growing their lending portfolio
40 – 60%
Processing Cost Reduction
3 – 5x
Application Volume Increase
1 – 2DAYS
Turnaround Time
35 – 45%
Approval Rate Improvement
Built Around Your Policies, Systems, and Member Relationships
Ruby Loans adapts to the way your credit union already lends, with configurable credit criteria and risk appetite, deployment under your own brand, and output designed to work with your existing LOS or core banking environment
Your institution retains control of lending policy, underwriting limits, and the member relationship while Ruby brings greater structure to the
application process
EXISTING INFRASTRUCTURE
Works with your existing LOS or core banking platform
FLEXIBLE LENDING CRITERIA
Institution-defined credit parameters, risk appetite, and underwriting limits
UNDERWRITING DATA HUB
Borrower information and supporting documents for lender review
White-label, configurable to the institution, and designed for Canadian credit unions
Built Around Your Policies, Systems, and Member Relationships
Ruby Loans adapts to the way your credit union already lends, with configurable credit criteria and risk appetite, deployment under your own brand, and output designed to work with your existing LOS or core banking environment
Your institution retains control of lending policy, underwriting limits, and the member relationship while Ruby brings greater structure to the application process
EXISTING INFRASTRUCTURE
Works with your existing LOS or core banking platform
FLEXIBLE LENDING CRITERIA
Institution-defined credit parameters, risk appetite, and underwriting limits
UNDERWRITING DATA HUB
Borrower information and supporting documents for lender review
White-label, configurable to the institution, and designed for Canadian credit unions
Build More Consistency Into SME Lending
Ruby Loans standardizes how SME applications are gathered, assessed, and prepared so critical lending knowledge is embedded in the process rather than dependent on individual staff or informal practices
This supports continuity as teams change, strengthens lending discipline, and creates a more reliable process as SME portfolios grow
BOOK A DEMO
Build More Consistency Into SME Lending
Ruby Loans standardizes how SME applications are gathered, assessed, and prepared so critical lending knowledge is embedded in the process rather than dependent on individual staff or informal practices
This supports continuity as teams change, strengthens lending discipline, and creates a more reliable process as SME portfolios grow
BOOK A DEMO