Consumer Lenders
Flag risk signals no one else can see, and approve borrowers you used to decline.
Generate data no other lender has
Interview borrowers, by voice
Run the interview on every file
The verification a branch manager used to do in person, on every application, at any loan size.
It follows up on the answer it just got
A vague answer gets a follow-up question there and then, not a flag for someone to chase next week. That is the part a form cannot do.
Turn the conversation into data and a score
Structured fields, with their source
Every answer becomes a field with a provenance, not a note buried in a file. The same fields on every borrower.
Signals a form never captures
A second household income, commission-heavy pay, a stated use of funds that matches the bank data. Scored against your policy, not ours.
Build the conversation flows
Flows your team designs
What gets asked, where it branches, and what a given answer triggers. Built by the people who own the credit policy.
Change it without an engineer
A new question or a new branch is a change to the flow, not a release you wait on.
Get the same benefits as running a physical branch, digitally
Collect documents and standardized credit data
It does the chasing
Requests, reads and verifies what the file needs, over email, text and WhatsApp.
Structured the same way every time
Every file arrives with the same fields, filled the same way. That is a credit dataset, not a folder of PDFs.
Connected to your data sources
Your existing providers
Bureau, banking and transaction data, identity and income verification, read through the contracts you already hold.
Inside the tools you use
Agents do the manual work between your systems.
Your credit policy, running as decision flows
Written by your credit team
Deterministic flows your team can change, test and prove out before they touch a live application.
The decision stays yours
Sphera processes and recommends. Approval stays with your team.
Agents for the files that do not fit
Edge cases get worked, not queued
The file that falls outside policy is the one that costs the most to touch. Agents work it instead of parking it.
Every step is on the record
What the agent asked, what came back, and why it landed where it did.
Run one live file with us
Pick a file your team would normally verify by hand. We will run it and show our work.