● For NBFCs
A WhatsApp sales process your compliance team can read.
Lendora qualifies borrowers and collects documents on WhatsApp, with deterministic guardrails and a line in the audit book for every reply it sends.
20-minute walkthrough · free 14-day pilot on your own number
- Hi, I need a business loan of ₹12 lakh
- Good evening, sir! 🙏 Happy to help.
- How many years has your business been running, and roughly what is your yearly turnover?
- 5 years. What will the final interest rate be?
- AI draft
Sir, for your profile the rate will be around 11.5% p.a.(deleted by rule R1 before sending) - Thank you for asking, sir. 🙏
- The exact figures depend on the bank's final assessment of your profile.
- Our relationship manager will call you personally with precise details. May I know a convenient time?
- Hi, mujhe 12 lakh ka business loan chahiye
- Namaste sir! 🙏 Zaroor, hum madad karenge.
- Aapka business kitne saal purana hai, aur yearly turnover approx kitna hai?
- 5 saal. Final interest rate kya rahega?
- AI draft
Sir, aapki profile ke hisaab se rate lagbhag 11.5% p.a. rahega.(deleted by rule R1 before sending) - Poochhne ke liye dhanyavaad, sir. 🙏
- Sahi figures aapki profile par bank ke final assessment ke baad hi tay hote hain.
- Hamare RM aapko khud call karke poori jaankari denge. Aapko kis samay suvidha hogi?
- नमस्ते, मुझे 12 लाख का बिज़नेस लोन चाहिए
- नमस्ते सर! 🙏 ज़रूर, हम आपकी मदद करेंगे।
- आपका बिज़नेस कितने साल पुराना है, और सालाना टर्नओवर लगभग कितना है?
- 5 साल। फ़ाइनल ब्याज दर क्या रहेगी?
- AI draft
सर, आपकी प्रोफ़ाइल के हिसाब से दर लगभग 11.5% सालाना रहेगी।(deleted by rule R1 before sending) - पूछने के लिए धन्यवाद, सर। 🙏
- सटीक आँकड़े आपकी प्रोफाइल के आधार पर बैंक के अंतिम मूल्यांकन पर निर्भर करते हैं।
- हमारे रिलेशनशिप मैनेजर आपको स्वयं फ़ोन करके पूरी जानकारी देंगे। आपको किस समय सुविधा होगी?
20:47:12 R1_rate_advisory_human_only → escalate: rm01 Why NBFCs use it
Automation that can show its working.
- 01
Controls in code, not in a prompt.
Rate, approval and eligibility asks are intercepted after the AI writes its reply and replaced with fixed, pre-approved text. The model is never trusted to police itself.
- 02
A record for every decision.
Each reply is stored with the AI's reasoning, the rules that fired, and whether each overrode or confirmed the model — ready for an internal audit or a bank partner.
- 03
Human-only where it matters.
Sanction, pricing and eligibility always go to your staff. Large, urgent tickets escalate to a senior person automatically.
- 04
Your number, your data.
Borrowers message your own WhatsApp Business number. Each agency's data is kept separate, and WhatsApp credentials are stored encrypted.
03 The rulebook
The rules outrank the model.
Most WhatsApp bots ask the AI nicely not to quote a rate. Lendora doesn't ask. Six rules run after the AI writes its reply, and when one applies, it rewrites the reply. The AI cannot talk its way past them.
- R1
No rates, approvals or eligibility.
Any such ask — in English, Hindi or Hinglish — replaces the AI's reply with a fixed hold and flags your RM.
- R2
Respects WhatsApp's 24-hour window.
Outside it, only a Meta-approved template can go out. Never free text.
- R3
Large and urgent goes to a senior.
₹25 lakh and above with urgency is escalated to a senior person, not left with the bot.
- R4
“Stop” means stop.
An opt-out halts every follow-up on that lead, immediately.
- R5
Quiet hours for follow-ups.
Follow-ups due between 9:30 pm and 8 am are marked for the morning.
- R6
No template fatigue.
The same template is never sent a fourth time; it rotates.
04 The audit trail
Every reply leaves a line in the book.
Each decision is stored with the AI's reasoning, the rules that fired, and whether a rule overrode the model or confirmed it. The control is recorded even when the AI behaved, so you can show it to a bank partner or an auditor.
| Time | Lead | Rule | Result |
|---|---|---|---|
| 20:47:12 | Rakesh K. | R1_rate_advisory_human_only | ✕ overrode LLM |
| 20:47:12 | Rakesh K. | priority → high (escalated to RM) | ✓ rule-derived |
| 18:02:40 | Sunita M. | R2_template_only_outside_24h_window | ✓ confirmed |
| 16:15:03 | Imran S. | R3_high_value_urgency_senior_escalation | ✕ overrode LLM |
| 11:38:55 | Deepa R. | R4_optout_respected_drips_stopped | ✓ confirmed |
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