For lenders
Reasons, rejection letters and fairness checks for every declined application
Pathway turns a scoring model's output into plain-language reasons, a plan the applicant can follow and a printable letter, in English, Hindi and Marathi. Today it runs on a model trained on synthetic data; a pilot would calibrate it on your own decisions.
What a pilot covers
Reasons and a plan to approval for each declined application.
Try itA rejection letter in English, Hindi and Marathi.
See a sample letterA fairness audit of how much effort approval takes across age and income groups.
See the audit
Business model
Free for borrowers. Paid for by lenders.
People who are declined never pay. Lenders and lending apps pay for explanations they can stand behind.
Borrowers
Free
- Reasons, plan and timeline
- Goal planner and offer check
- English, Hindi and Marathi
Banks and NBFCs
Licence
- Plain-language reasons for every declined application, which RBI's Fair Practices Code asks lenders to give in writing
- A printable rejection letter that includes a plan to approval
- A fairness audit across age and income groups
Fintechs and lending apps
API
- The borrower's plan shown inside your own app
- Reason codes in three languages
- API in development: pilots come first
We have not set prices yet. We are looking for a first lender or fintech to pilot with.