AI loan-readiness
Know your loanapproval odds.
Upload your financial documents or just describe your situation. Credolay reads them like an underwriter and gives you an approval score, the red flags to clear, and a plan to raise your odds — before you apply.
For individuals and businesses seeking finance.
Assessed
Approval Report
Your finances, read the way a lender would
2 red flags to clearApproval 74
How Credolay reads your file.
You upload documents or describe your situation. Credolay does the underwriting. It works for individuals and businesses — and you can see a sample report instantly.
Step One
Upload or describe.
Bank statements, payslips, invoices — or just type it out.
Step Two
AI reads it like a lender.
Income, affordability, debt, and risk are all weighed.
Step Three
Get your approval score.
A 0–100 score with the red flags that would sink you.
Step Four
Get your fix plan.
Exactly what to do to raise your odds before you apply.