How it works

From application to reconciliation, on a shared operating rail

Follow one loan through the system. The originator and the senior lender each work in their own environment; Mannjal moves the file between them and keeps both sides in sync.

The flow

Five steps. Two instances. One coordinated workflow

Configured checks run before review, every action stays attached to the case, and the lender retains the credit decision throughout.

Senior lender · own instance
Junior lender · own instance
Rules Application Decision Reconciled
01

Defines the program

Sets eligibility rules, product parameters & compliance thresholds.

04

Reviews & sanctions

Makes the credit decision. Key workflow actions are logged with clear ownership.

02

Sources & captures

Acquires borrowers, collects documents and supports field-to-digital journeys.

05

Disburses & services

Funds flow through escrow; the junior lender services the borrower through the tenure.

03
MANNJALOrchestration layer
IntakeReadiness checksDeviation flagsRoutingReconciliation
The platform captures the case, checks it against the configured rules, flags deviations, routes it to the right desk with traceable workflow logs, and reconciles across partnerships.
Senior lender · own instance

Defines the program

Sets eligibility rules, product parameters & compliance thresholds.

Junior lender · own instance

Sources & captures

Acquires borrowers, collects documents and supports field-to-digital journeys.

Mannjal · Orchestration layer

Orchestrates & routes

IntakeReadiness checksDeviation flagsRoutingReconciliation

The platform captures the case, checks it against the configured rules, flags deviations, routes it to the right desk with traceable workflow logs, and reconciles across partnerships.

Senior lender · own instance

Reviews & sanctions

Makes the credit decision. Key workflow actions are logged with clear ownership.

Junior lender · own instance

Disburses & services

Funds flow through escrow; the junior lender services the borrower through the tenure.

See how the platform runs this workflow
Why it matters

One network. Multiple partners. Shared rails. No shared data.

Each lender and originator works inside a dedicated instance. What's theirs — borrowers, pricing, pipeline — stays theirs. Mannjal runs the shared rail underneath: orchestrating the workflow, controlling the data exchange, enforcing the access boundaries. The network is one. The data never mingles.

Workflow

Collaborative application management

Program-level workflow and task tracking, shared query resolution, and large-file handling, so both sides work the same file together.

Data

Simplified data processing

Ingest from field apps, files or application programming interfaces; validate through approved third-party providers and configured review agents; convert into each lender's format.

Decision support

Transparent decision support

An auditable rules engine for decision support, deviation flags, and configurable management reports and dashboards.

Access

Robust access management

Role-based access at configured levels, ring-fenced user access, and timestamped workflow actions.

Architecture

Scalable architecture

Low-code configuration on a decentralized network, so similar new programs can launch without re-engineering.

Security

Compliance & security

Network-segregated, data-localized where deployment scope requires, and encrypted at rest and in transit.

How it benefits you

Cleaner files. Faster movement

85-90%
Login-to-sanction in benchmarked workflows. Fewer files stall in review.
98%
First-time-right in benchmarked workflows. Files arrive checked and validated.
50-75%
Turnaround-time reduction in benchmarked workflows. Same team, more volume.
Schedule a walkthrough

See it run on one of your programs

Follow one loan through the system. 30 minutes with a founder.