Purpose-built for lending operations
Real results from lending operations
Lending vulnerability and fair outcomes
Our AI agents detect financial stress indicators in real-time: arrears anxiety, job loss mentions, health issues, bereavement. Immediate escalation to trained specialists with full conversation context. All vulnerability flags logged for Consumer Duty reporting.
Payment holiday agents assess affordability and automatically offer appropriate forbearance options - payment holidays, term extensions, interest-only periods. Consistent application of fair treatment principles across all customer interactions.
AI agents explain complex financial concepts in plain English: how payment arrangements affect balances, what charges mean, how early payments reduce term. Customers understand their options and make informed decisions.
Every payment holiday approved, every ERC quoted, every forbearance option offered - all logged with decision reasoning. Full documentation for FCA compliance reviews and customer complaints.
Beyond general FCA Consumer Duty, our lending agents comply with:
Automated disclosures, statements, and regulatory notifications - compliant with Consumer Credit Act, CONC, and MCOB with full audit trail
Every forbearance decision logged with reasoning. Payment arrangement eligibility explained. Arrears escalation automated based on FCA guidance
AI explains payment arrangement impacts: Interest accrual • Term extension • Future payment amounts • Credit file implications
Uses your existing calculation engine (same as human agents). Any errors covered by E&O insurance. 0 disputes across all quotes generated
Coverage: £5M E&O insurance specifically for lending AI agent regulatory compliance
We put our fees on the line
If our AI agents don't handle 42% of interactions autonomously, we refund 100% of our fees. No questions asked.
E&O insurance covers regulatory fines arising from AI agent decisions. You're protected if something goes wrong.
We integrate with any REST API-enabled platform. If we can't integrate with your servicing system, we refund your fee.
Why we can offer these guarantees: We've deployed 15+ systems with 100% success rate. We know this works.
Most deployments go live within 2-4 weeks. We integrate with your existing servicing platform—no rip-and-replace. Pilot with a subset of accounts, prove ROI, then scale.
We offer success-based pricing: you pay per contained interaction, not per seat. Typical range is £2-5K/month per agent type depending on volume. No ROI, no cost.
No. We integrate with your existing mortgage servicing, loan management, and core banking systems via API. Your platform stays—we add AI on top.
Every contact is screened for vulnerability indicators using NLP—financial stress, health issues, bereavement. Vulnerable customers are immediately escalated with full context. Complete audit trails for Consumer Duty reporting.
Yes—we're transparent. Customers are informed they're speaking with an AI agent. This is both an FCA best practice and often preferred by customers who want quick answers without wait times.
Our AI agents call your existing calculation engine in real-time—the same system your agents use. We don't estimate or approximate. The figures are exactly what a human agent would quote.
We'll analyze your operations and show you exactly what AI agents can handle autonomously - and what it will save you.
Book a DemoOr email us at hello@rel8.cx