6-8 weeks from contract to production on live application data. LOS connectivity, document pack configuration by loan type, and validation rule encoding occupy the first phase, followed by parallel testing on live application volume before handover.

Your loan origination system for application record and write-back; your document management environment for document storage and retrieval; and your CRM for applicant contact history. Specific connectors are confirmed during scoping.

Personal loans, mortgages, car finance, and business loans, each with their own required document pack configuration. Required pack rules are encoded by loan type and applicant profile during deployment. Additional loan types are added to the same infrastructure with minimal configuration effort.

A targeted request is sent directly to the applicant or broker identifying the specific document required and the reason it is needed. The application is held in a pending state and resumes automatically when the document is received and validated. No manual follow-up is needed.

Expiry: passport and driving licence checked for validity at the date of submission. Consistency: name and address on identity documents checked against the application record. Recency: bank statements and payslips checked against the required submission window for the loan type. Where any check fails, the document is flagged and a replacement requested.

A complete validated file: identity documents verified, income confirmed, address confirmed, supporting documents validated, and the application record fully populated in the LOS. The underwriter makes the credit decision on a complete file rather than starting a document chase.

Yes. Broker-submitted applications are received through the broker channel, matched to the application record, and processed through the same validation chain. Where documents are missing or invalid, the request is sent to the broker rather than directly to the applicant.

Where an applicant submits a non-standard document in place of a required item, the document is flagged and the specific requirement communicated to the applicant. The workflow does not make substitution decisions. Those route to a lending operations specialist with the application record and the specific gap documented.

Standard workflow and BPM tools route documents between teams - they were built for approvals, not for identifying the required pack by loan type, validating documents for expiry and consistency, sending targeted gap requests to applicants or brokers, assembling the complete validated file, and writing the populated application record back to the LOS. Loan application processing software purpose-built for this workflow eliminates the manual intake loop and the document chase between processing team and applicant. Document management and OCR platforms receive and store documents but do not identify the required pack, validate documents, or send targeted gap requests. At volume, straight-through processing rates above 80% are achievable on standard application mixes without adding headcount.

Document management and OCR platforms receive and store documents - they do not identify the required pack by loan type, validate documents for expiry and consistency, send targeted gap requests to applicants or brokers, assemble the complete validated file, or write the populated application record back to the LOS. Noxus executes the full document processing chain as a loan application processing system end to end, and passes a decision-ready file to the underwriter on the systems already running in the environment.