MillLoan
Access Smart Working Capital and Secure Online Business Loans Tailored for Rapid SME and Startup Growth.
In development and not yet available. A business lending and financial assistance platform featuring automated credit underwriting pipelines, secure financial data verification APIs, and a hassle-free loan application workflow.
At a Glance
Why We Engineered MillLoan
The problem this product was built to solve, and how it approaches it.
Introduction
MillLoan is a business lending platform designed to give startups, SMEs, and entrepreneurs a faster, fully digital path to working capital, using cash-flow-based credit models to speed up underwriting decisions.
The Headache vs The Cure
The main problems the product had to solve, and how it solves them.
Aggregating highly inconsistent cash flow statements from separate banking portals broke the automated credit algorithm.
An ETL standardization pipeline cleans, standardizes, and groups incoming transaction statements before parsing them to the risk model.
Securing extremely sensitive corporate tax records and financial declarations from external security threats.
Encrypted AWS S3 buckets using temporary, expiring pre-signed URLs ensure only authorized underwriters view documents for limited periods.
Key product capabilities out of the box
The core capabilities of the product.
Instant Plaid Integration
Securely connects to business banking accounts, instantly verifying cash flow statements, transaction histories, and active revenue channels in under 60 seconds.
Smart Underwriting Engine
Evaluates credit viability and risk indexes using multi-factor financial variables, analyzing cash flow consistency rather than relying solely on traditional credit scores.
Flexible Repayment Portal
A transparent dashboard tracking loan balances, interest rates, and custom automated weekly or monthly repayment programs.
An interactive preview is not available for MillLoan yet. Contact us for a walkthrough.
Built on a state-of-the-art tech stack
The main technologies the product is built on.
What Sets MillLoan Apart
What distinguishes this product from the usual alternatives.
Faster Credit Decisions
Pre-approval and credit checks are automated end-to-end, instead of the multi-day back-office process a typical bank loan application goes through.
Streamlined Access to Capital
SMEs and startups get a straightforward path to working capital, without the paperwork and multi-week waiting typical of traditional bank lending.
Bank-Grade Data Security
Financial data moves through Plaid's encrypted connection and is stored in an AWS-secured vault, the same category of infrastructure banks themselves rely on.
Frequently Asked Questions
Quick answers about how the product works.
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