Credit

Credit analysis with AI: from the incomplete file to a decision with everything in view.

The agent collects and validates documentation over chat, assembles the file and hands it to the analyst ready to decide.

Consumer lenders and savings cooperatives

A credit officer reviews an application on her laptop with a document in hand, in a bright bank office

The starting point

The credit decision takes minutes. What took days was gathering the paperwork to make it.

What reached the analyst

ID documentWhatsAppblurry photo
Proof of incomeEmailarrived 3 days later
Utility bill—never arrived
Bank statementWhatsAppexpired 4 months ago

Four documents, three channels and no way to know what was missing without opening them one by one. The file wasn’t held up by judgment: it moved at the speed of paperwork.

How it runs

From the application to the file in the analyst’s hands.

01Application intake
It arrives over WhatsApp or web and opens the case.
02Documents, one by one
It asks one by one and stops if one is illegible.
03Reading and validation
OCR extracts, checks validity and cross-checks.
04File assembly
Documents, data and bureau in a single record.
05Handoff to the analyst
The case arrives complete; failures are flagged.

What it uses from Shimli

The pieces behind AI credit analysis.

AI agents

They request, review and ask again when a document isn't legible, without anyone having to chase.

How it was used here
It requests one document at a time and won’t move on until it arrives legible.
If the photo is blurry or cropped, it explains what’s missing and asks again.
It answers requirement questions without taking an analyst’s time.

Agents/Credit · ApplicationsActive

Tools5

buscarClienteDatabaseLooks up the customer by IDin use
leerDocumentoReadExtracts the data and checks validityin use
validarRequisitosLogicChecks against the product requirementsin use
calcularCuotaComputeComputes the instalment from amount and termin use
armarExpedienteActionHands the complete file to the analystin use

Limits

CanRequest and validate documentsPrepare the fileCannotApprove the loanHands to a personIf a document does not match

Flow Builder

Each document is a step with its own validation; the flow won't advance if one fails.

How it was used here
Four steps, one per document, each with its own validation.
The bureau isn’t queried until all four pass.
If a field doesn’t match the database, the case is flagged before it reaches the analyst.

Nodes73Messaging14AI agents9Logic12Integrations21

Portfolio loaded420 accounts Days past due1–30 · 31–90 · +91 Collections agentnegotiates within policy Promise recordedwrites to the core

Collections agentCan doOffer up to 6 daysSend payment linkCannotWaive principalEscalates to a humanIf the balance is disputed

Databases

The file lives in its own structure, with the fields the credit committee requires.

How it was used here
The fields are the ones the committee already used, not generic ones.
Each document is linked to the applicant and to its expiry date.
The analyst opens one record, not four scattered conversations.

Databases/Credit applicationsEdit structure

Name	Phone	Amount	Stage	Updated
Lucía Torres	`···· 4471`	$2,400	File complete	today, 10:12
Marco Ríos	`···· 9038`	$850	Proof missing	today, 09:40
Elena Navas	`···· 2215`	$5,000	In committee	yesterday
Bruno Salas	`···· 7760`	$1,200	File complete	yesterday
Ana Medina	`···· 3184`	$3,100	ID missing	Monday

5 of 128 records

Integrations & API

Bureau queries and core writes, without replacing the systems already running.

How it was used here
The bureau query fires from the flow, without leaving the case.
The approved file is written to the core with the fields already validated.
The core remained the source of truth: nothing was migrated.

Integrations/Connections+ New connection

System	Type	Status	Last activity
CRM	API REST	Connected	2 min ago
Core	API REST	Connected	5 min ago
Customer database	MCP	Connected	1 min ago
WhatsApp Business	Official · Meta	Connected	now
Credit bureau	API REST	In review

POST/v1/msg-wh20012:04:31GET/v1/contact20012:04:29POST/v1/crm20012:04:26

The outcome

What changes in credit operations.

The file arrives complete

The analyst opens the case and has everything: legible documents, verified data and the bureau query already run.

Nothing moves forward half-done

The flow stops at the missing document instead of dragging the gap all the way to the end of the process.

The analyst decides, doesn't chase

The team's time goes into assessing risk, which is the part that can't be delegated.

This case describes how the agent operates on the process. Result figures are defined with you during discovery, against your own indicators.

The other three processes

The agent runs the same way on every one of them.

CollectionsFrom cold receivables to confirmed payment.See the case SupportFrom the message queue to the reply that resolves.See the case OperationsFrom the WhatsApp order to the invoice issued.See the case

What people ask before getting started.

Straight answers on what Shimli is, what it costs, what it integrates with and who is behind it.

Shimli is a platform to build and run AI agents inside a company's operation. An AI agent is a program that understands the context of a conversation, queries the institution’s systems, decides within the policies defined for it and carries the task through to the end. It is built by Sheilim LLC, headquartered in Miami.

A chatbot replies from a script: it recognizes an intent and returns text written in advance. An AI agent understands context, analyzes information, executes tasks in the institution’s systems and escalates to a person when needed. A chatbot replies; an agent resolves.

One plan at $139 a month with every feature on the platform: there are no editions or tiers. It includes 3 human seats and 1 admin, 1 Flow Builder, WhatsApp, Facebook, Instagram and web connection, and unlimited WhatsApp templates. Added separately: an extra instance at $59 a month, an extra Flow Builder at $19, an extra human seat at $9, and AI usage at $49 per 2,450 queries. You can create the account and get into the platform yourself.

Let's build this same case
on your operation.

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