Ledger

The problem

A lender's application form asked forty questions up front, half of which could be pulled from a business registry or a bank connection. Drop-off sat near seventy percent on mobile, and underwriters re-keyed documents by hand.

The approach

1. Discovery mapped every field to its source and found that twenty-three could be prefilled or asked later.
2. The six-step flow was prototyped and tested with eight owner-operators before engineering began.
3. Document capture used the phone camera with on-device quality checks, so a blurry upload is caught before submission.
4. An underwriter console replaced email threads, with a full audit trail per decision.

What ships

A flow that a sole proprietor can complete in under ten minutes on a phone, with structured data landing directly in the underwriting queue.

Phases

Services involved