Features · AI assistant
Ask your portfolio a question. Get a real answer.
A conversational AI assistant built into LoanTabs. It answers portfolio questions with numbers you can verify, fills in your forms by conversation and quotes early settlements instantly. You stay in control: every change it proposes waits for your confirmation.
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What is an AI portfolio assistant for lenders?
An AI portfolio assistant lets lending staff ask questions about their loan book in plain English, and prepare records by describing them. In LoanTabs, the assistant queries your own data, checks the figures it states against computed results, shows the sources it used, and cannot save a change until a staff member confirms it.
AI in lending software is only useful if it is trustworthy with numbers. The design principles behind the LoanTabs assistant are simple: figures come from your data, not from the model's memory; the sources are visible; and nothing is written without a human clicking confirm. Our article on AI in loan management explains what to check in any assistant.
Skip the reports. Just ask.
Instead of picking a report, picking a branch and reading a table, ask the question directly, across loans, branches and time periods a single report was never built to cross.
Portfolio Assistant
Central branchAwaiting your confirmation
Nothing was changed — read-only answer
An assistant built for a lending business, not a generic chatbot
Ask your portfolio anything
"When is Tom's loan due?" "Show me all loans due next month." "Compare Central and East branch performance." No navigating a stack of report pages to find one number.
Groups and SACCO totals
Ask how a lending group is doing or to start one. On plans with the SACCO add-on, ask how many members you have or how much they have saved. SACCO answers are totals and never name a member.
Create loans and borrowers by conversation
Describe a loan or clone one for a new borrower, and the assistant fills in the real form. The same validation and approval rules apply as if you had typed it yourself.
Instant early-settlement quotes
Get a payoff quote with clear scenarios: full contractual payoff, accrued interest only, or an approximate actuarial scenario, so a customer asking to settle early gets an answer on the spot.
Every number is traceable
Answers show the records and reports they came from, and figures are checked against computed results before they are shown. If it can't find a number, it says so.
Nothing happens without your confirmation
The assistant can propose creating a loan, adding a borrower or recording a payment, but every proposed action shows a field-level diff and waits for a human click before anything is written.
Scoped to your role, every time
A loan officer only sees what they could already see in the app, and institution data never crosses tenant boundaries, no matter what is asked.
What the assistant does and does not do
| The assistant does | The assistant does not |
|---|---|
| Answer questions about loans, borrowers, payments, portfolio and reports | Invent or estimate a monetary amount, count or date |
| Prepare a borrower, loan, payment or comment for your review | Save any change without a staff member confirming it |
| Quote early-settlement scenarios computed by code | Choose a settlement discount on its own authority |
| Search the help documentation to explain how to do something | Approve loans or make credit decisions |
| Respect the signed-in user's role and permissions | Show one institution's data to another |
| Be switched on or off by an admin | Let each institution choose its own AI model (the model is chosen by LoanTabs) |
Money software gets one chance to be honest about numbers
Every figure the assistant states is checked against a computed result from your own data before it is shown, and the sources it used appear next to the answer so you can verify them. It never picks a settlement discount on its own authority: that is a policy decision for your institution, not something an AI model should guess at.
The assistant is optional. Your institution's admin can switch it on or off at any time from the Admin settings, and it only ever sees what the signed-in user is allowed to see. Usage is subject to a monthly allowance that depends on your plan.
AI portfolio assistant: common questions
Can the AI assistant change my data by itself?
No. Every change it proposes appears as a field-by-field diff and waits for a staff member to confirm before anything is saved.
Can the assistant make up numbers?
It is designed not to. Figures in its answers are checked against computed results from your data, sources are shown, and it says so when it cannot find something.
Can I turn the AI assistant off?
Yes. An admin can switch it on or off for the whole institution in the Admin settings.
Which AI model powers the assistant?
LoanTabs selects and maintains the model for you, so there is nothing to configure, license or manage on your side.
Who approves the loans the assistant prepares?
Your normal approval workflow and your staff. The assistant can prepare a loan, and approval rules by role and branch decide the rest.
Keep exploring
- Loan management softwareThe LoanTabs overview: what it does, who it is for and what it costs.
- Online loan management systemRun your loan book from any browser, with nothing to install.
- Loan software guideThe types of loan software, what each does and how to choose.
- Lending software and lending management systemsWhat a lending management system covers, end to end.
- Loan management software for small businessBuilt for money lenders: quick setup, small-team workflow, simple pricing.
- Online loan application softwareTake and process loan applications online, from intake to disbursement.
- Loan management solutionSoftware, setup, migration, training and support in one solution.
- Loan tracking softwareTrack balances, due dates and overdue loans, with an aging example.
- Loan repayment softwareRecord, allocate and receipt repayments, with a worked example.
- AI in loan managementWhat AI can do, what to check and where it goes wrong.
See the assistant answer your own portfolio's questions
Start a free trial or book a live walkthrough, and you will be asking it real questions within minutes.
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