A Fully Automated Loan Business. Two Manual Steps Left.

Moneyspot needed a fully online microloan business where the entire process from application to approval to funds transfer ran without a processing team handling each step. The commercial logic was clear: microloans require low operational cost per transaction to be viable. Every manual step was a cost multiplier and a speed bottleneck.

Led architecture design and technical build. Integrated Equifax credit checking for real-time decisioning. Salesforce Commerce Portal for the customer-facing journey. CongaSign for automated digital agreement execution. Heroku as the integration platform. Designed the approval logic so that credit-approved applications moved through to funds transfer preparation without manual intervention — the system made the decision, prepared the transfer, and flagged only edge cases for human review.

A fully automated loan business with only two steps handled by staff: customer support queries and a single approval button for releasing funds to auto-approved applications. 12 users running a loan operation that could scale without adding headcount.