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Lending / BNPL
With Forest, run origination, decisioning, servicing, and collections on top of your scoring engine and identity providers.
Forest hosts the workflows that move applicants from origination to servicing. Decisioning stays with your engine; the orchestration lives in Forest.
Origination workflows
Applicant data, KYC, document review, bureau pull, and bank statement parsing run as steps in your origination workflow. Configurable per product.
Decisioning support
Your scoring engine runs as a configured step. Forest applies your rules, routes edge cases to underwriters, and records every decision.
Servicing and collections
Payment plans, restructuring, hardship workflows, and arrears tracking live on the borrower record. AI agents handle routine outreach.
Fraud at application and servicing
Fraud signals from your detection providers land in the case bundle. Reviewers see the application, prior cases, and reasoning trace in one view.
Regulatory reporting
FCA reporting, partner-bank submissions, and bureau updates run on schedule. Reports package automatically; your team reviews and submits.
Audit by application
Every decision, every override, every comms touch is recorded against the applicant or borrower. Regulator-ready bundles export on demand.
Built for regulated lending
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A complete view per applicant
Applicant data, KYC results, bureau pulls, decisioning output, and servicing history live on the same record. Underwriters and servicers work from one view.
Governance for humans and AI agents
Roles, permissions, and approvals apply to your team and your AI agents the same way. Every decision lands in one audit trail.
Plug into your scoring and servicing stack
Scoring engines, bureau APIs, identity providers, and payment rails fully connected, ready to tap from your workflows. Swap a provider as your stack evolves.
Plug into your lending stack
Frequently asked questions
You still have question ?
Book a conversation with a forest expert
Does Forest score credit applications?
No. Scoring stays with your decisioning engine. Forest calls your engine at the configured step, applies your rules, routes edge cases to underwriters, and records every decision against the application.
How does Forest connect to my decisioning and servicing stack?
Forest reaches your stack through datasources (for applicant, borrower, and loan data) and through MCP connectors (for calling your scoring engine, your bureau, your KYC providers, and your payment rails inside workflows).
Can my AI agents handle collections outreach?
Within the rules you configure. AI agents can handle routine reminders, payment plan offers, and hardship intake under their own scoped permissions. Anything outside the rules routes to a human collector.
How does Forest support regulatory reporting?
Reporting workflows are scheduled per regulator and per product. Forest assembles each report from operational data, runs internal review, and exports for transmission through your existing channel.
How do you ensure customer data never leaves our environment?
The Forest backend runs inside your infrastructure, alongside your databases. Customer data travels to a provider only when its service is called, and the response is logged back to the case. Data stays in your systems of record.
