LoanFlow AI

LendAI is an intelligent multi-agent loan processing platform built for the AI Multi-Agent Hackathon. It demonstrates how multiple specialized AI agents can collaborate seamlessly to handle complex, real-world financial workflows without human intervention. The system uses three independent agents, each with a single responsibility, working in sequence: **Agent 1 — Docs Collection Agent** Greets applicants warmly and collects all required documents conversationally. Instead of uploading files or filling forms, users simply chat — providing their CNIC, monthly income, employer details, and credit history one step at a time. The agent validates each piece of information before handing off to the next stage. **Agent 2 — Risk Management Agent** Acts as the analytical backbone. It parses submitted documents and computes a comprehensive risk profile using three key financial indicators: Debt-to-Income (DTI) ratio, employment stability score, and existing loan burden. **Agent 3 — Loan Decision Agent** Makes the final credit decision and generates a personalized loan offer based on the risk profile. For LOW RISK applicants, it approves loans up to 10× monthly income at 12% interest. For MEDIUM RISK, it offers conditional approval (6× income at 18%). For HIGH RISK, it provides a transparent decline with actionable next steps. Every approved offer includes three repayment tenure options with exact EMI calculations. **Why This Matters** LendAI showcases how AI agents can handle high-stakes financial decisions with transparency, speed, and accuracy. Users get instant decisions and clear reasoning about their credit profile. Built on **band.ai** for agent orchestration and **Featherless AI** for model inference, LendAI proves that complex multi-agent workflows are not only possible but practical for real business applications.