Insights on running multiple industries on one platform — for the leaders who do.
Every bad loan was once an approved application. The difference between a healthy portfolio and a troubled one is usually decided before the first payment is ever due — at the moment a lender chooses to accept an applicant as a customer. Dimensions for Financing treats that moment as a formal, structured step rather than a judgment call scribbled on a form.
Its Credit Investigation feature runs before an applicant becomes a customer. Initiated directly from the proposal computation, it turns credit evaluation into a repeatable process with a clear, auditable trail — so the same rigor applies to every applicant, not just the ones a loan officer happens to scrutinize.
Rather than a single credit score, the process assembles a complete picture of the applicant:
• Applicant and co-maker details — personal information, dependents, references, and co-maker requirements captured once and carried forward automatically into the financing application.
• Financial overview — monthly income, expenses, and other deductions, with total and net available monthly income computed automatically so affordability is visible at a glance.
• Credit history — existing loans, owned real estate, and motor vehicles, each with status and mortgage detail.
• Verification highlights — area assessment and residence verification, including whether the finding is based on an actual site visit.
The investigation applies a configurable credit rating template. Each sub-criterion is rated, weighted, and rolled up into an overall credit rating and status — the thresholds and weightings are yours to define, so the model encodes your institution’s risk appetite rather than a generic formula. Two levels of judgment are recorded: the credit investigator’s recommendation, and a separate manager’s evaluation.
The most important control is optional but powerful: the system can be configured to require a passed Credit Investigation before a business account can be extended into a customer. Turn it on, and only applicants who clear your credit criteria can enter the book at all. The evaluation stops being advisory and becomes a genuine gate — and because it lives in the same platform as the ledger, every decision is traceable from application to amortization.
