Product
Galileo
Galileo is an agentic loan origination system. Specialist AI agents read each application, its documents and your credit policy, and recommend an outcome with the evidence behind it. A person with the right authority signs.
01
Design your loan products
Your team designs each loan product in Galileo, and changes it when your lending changes.
- Set the terms, eligibility, pricing, fees and documents for each product.
- Design the application form, the workflow, the rules and the scorecards.
- Or describe the product in plain words to the design assistant. It drafts the product and asks only what it cannot work out from your words.
- Every change is saved as a new version.
- A second person approves each version before it serves applications.
- Run a sample application through a product to see how it would be treated.
Galileo · Describe a new product
Galileo · Product
02
Your credit policy, in a library the agents search
Your credit policy is loaded into a policy library and split into passages. Each underwriting run is given the passages closest to the application in front of it.
- Search the library with a question in plain words, and see the passage that applies.
- Each passage keeps the section heading and the policy version it came from.
- Each decision records the policy version it was made under.
Galileo · Policy library
03
Rules and scorecards that cite your policy
Your rules are a list your team can read. Each rule is a knockout or a referral, with the check it makes, its reason in plain words, and the policy section it follows.
- Rules and scorecards are inputs the agents weigh.
- A rule never approves or declines an application on its own.
- Each rule cites the section of your policy it follows.
Galileo · Rules
Galileo · Rule
04
A workflow for every product
Each product has its own origination workflow: the steps every application takes, in order, and where each outcome leads.
- Steps that run by themselves, steps that wait, steps the agents run, and steps a person decides.
- The decision guardrails step is locked into every workflow. When a guardrail fires, the file goes to a person.
- Each step shows what it needs, what it gives, and what it rests on.
Galileo · Origination workflow
05
Agents that reason from evidence
Specialist AI agents read the application, its documents, your policy and your rules, and reason to a recommendation.
- The documents they read include identity documents, payslips, bank statements, accounts, invoices and valuations.
- Five agents take part. The Detective verifies who the applicant is. The Analyst reads the money. The Judge makes the credit call. The Supervisor checks the others against the evidence. The Regulator tests the file against policy.
- Every claim an agent makes must cite evidence. A claim with no evidence is rejected.
- The reasons name the policy rules they rest on.
- Every figure is shown with its parts: living costs, existing credit, this loan's repayment, what is left each month, the share of income going to credit, and a stress test at lower income.
Galileo · AI decision
Galileo · Affordability
06
People decide
The agents recommend. A person with the right authority signs. Nothing is actioned until they do.
- Each application moves through intake, underwriting, decision, offer and closing, and funding.
- The decision card shows what the agents recommend, why, and what is waiting on whom.
- Approval limits are set by product and by amount.
- The person signing can set the AI aside and decide the file themselves.
- The oversight panel shows what the record flagged on the file.
Galileo · Application
Galileo · Human oversight
07
Every decision on record
Every decision is recorded with its evidence, its reasons, the policy version in force and every signature.
- The agents' recorded reasoning can be played back step by step, from the run itself.
- Each step of the replay shows the evidence it cites.
- The record can be downloaded.
- A full audit trail is kept for every application.
Galileo · Decision replay
08
Roles and permissions
- You define the roles in your organisation.
- For each role, you set which fields of an application it can see.
- Approval limits are set by product and by amount.
09
Security and valuation
- Security of every kind: property, vehicles, equipment, stock, receivables, deposits, investments, life policies, guarantees.
- Any other asset you define, with its own valuation formula.
- Valuations and loan-to-value for secured loans.
- The registration of security is followed to the registry's confirmation before funding.
10
From enquiry to funding
- Galileo covers origination, from the first enquiry to the loan being funded.
- Your loan management system runs the loan after funding.
- Galileo reads loan data back from it to monitor covenants and to inform new applications.
See the loan products Galileo originates.
Loans to businesses, individuals and groups, with any security you define.