LOADING_FLEEVO_OS...
AI reviewing documents live
Modern AI Credit Infrastructure for Equipment Finance
Fleevo collects borrower information through WhatsApp, analyzes financial and business documents with AI, and delivers transparent credit recommendations that banks and dealers can act on in minutes.
WhatsApp agent
+62 ••• 8821Selamat siang, Pak Budi! I'm Fleevo's AI agent. Looking to finance an excavator?
AI credit scoreApproved
812/ 900
0 discrepancies flaggedDecision · 6 min
Trusted by banks & OEMs
Credit decisions banks & dealers already rely on
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Connected · OEM Partner
Financial network
Indonesia's heavy equipment lenders move faster with Fleevo
Every score Fleevo generates is backed by AI-analyzed documents and, once funded, ongoing telematics.
0+
Applications Processed
via WhatsApp since launch
0+
Hours Saved
13 hrs of manual review per application
0%
Avg. Underwriting Reduction
from days down to minutes
The problem
Why heavy equipment lending is broken
14 days
Average decision time
~6 min
With Fleevo's AI score
Contractors fax bank statements, lose track of email threads, and wait weeks while loan officers manually re-key and verify every document, and good borrowers get rejected anyway when something looks off.
Application #4922-B
?
Asset Valuation
UNVERIFIEDVOID
Utilization History
UNKNOWNNO DATA
Credit Score
INVALID / LOW
DENIED
ACTION REQ:
Resubmit documents by email and wait for re-review.
High Risk Detected
Insufficient collateral data
AI SCORED
✓ APPROVED
812/ 900
scored in 4.2s
✓Identity verifiedKTP match
✓Cash flow analyzedstrong · 3 mo
✓Documents cross-checked0 discrepancies
Recommend: approveDecision · same day
Why Fleevo
What changes when you switch to Fleevo
The same loan, reviewed two ways, across every step from intake to ongoing monitoring.
Without Fleevo
With Fleevo
Borrower intake
Phone calls, WhatsApp screenshots, and paper forms scattered across loan officers.
One WhatsApp conversation collects every answer and document.
Document collection
Contractors fax or email statements; staff manually chase missing pages.
Documents arrive in the same chat thread, already organized by application.
Document verification
Loan officers re-key figures by hand and eyeball documents for inconsistencies.
AI reads every document and flags discrepancies automatically.
Credit scoring
Underwriting criteria vary by reviewer and by day.
Every application is scored against the same criteria, with reasoning attached.
Decision time
Up to two weeks from application to decision.
Minutes, with banks and dealers approving in clicks.
Post-funding visibility
No visibility into the financed equipment until a payment is missed.
Telematics tracks usage and location for the life of the loan.
Rollout
Replacing a loan origination system means months of migration.
No rip-and-replace. Fleevo plugs into your existing review and approval process.
Meet Fleevo
Two AI agents, one telematics layer
Everything happens inside WhatsApp, then keeps working long after the loan is funded.
Fleevo AI agent
online
Selamat siang! Send a photo of your KTP to get started.
📄 KTP_budi.jpg
Thanks Budi. Now your last 3 months of bank statements.
📄 rekening_3bln.pdf
Analyzing documents… credit score ready in ~2 min
01
WhatsApp qualification agent
Talks directly with the contractor or client, asks the right questions, and collects every required document. No app download, no forms.
02
AI credit scoring agent
Reads every document, flags discrepancies automatically, and generates a credit score banks and dealers can act on immediately.
03
Telematics
Once equipment is purchased, a device tracks usage and location, giving banks and dealers ongoing risk reduction for the life of the loan.
The full journey
From WhatsApp to approval
Scroll to watch a single application move from a borrower's first message to a funded, monitored machine.
01Intake
The conversation starts on WhatsApp
The borrower messages Fleevo. The AI agent qualifies them and asks for exactly the documents it needs. No app, no portal.
WhatsApp agent
Selamat siang, Pak Budi! Looking to finance an excavator?
Yes, a Komatsu PC200 from a dealer in Balikpapan.
Send a photo of your KTP and 3 months of bank statements.
KTP.jpg · rekening_3bln.pdf
02Capture
Documents are read, not re-keyed
KTP and bank statements are scanned the moment they land. Every field is read automatically, and personal details are blacked out before anyone sees them.
KARTU TANDA PENDUDUK
NIK
Nama
Budi Santoso
Tgl lahir
Agama
Alamat
ID·SCAN·OK
03Extract
Every signal is pulled and cross-checked
Income, obligations, asset valuation and identity are extracted and reconciled across documents, with discrepancies flagged.
AI extraction
IdentityVerified · KTP match✓
Avg. monthly inflowRp 184,000,000✓
Existing obligationsRp 42,000,000✓
Asset valuationKomatsu PC200 · est. Rp 1.6B✓
Discrepancies0 flagged✓
04Score
A credit score, with its reasoning
Fleevo generates a score from verified data and shows the factors behind it. Never a black box.
812/ 900
AI credit score
Low risk · recommend approve
Risk: LowLoss exposure: 22%Utilization: 78%
05Decide
The bank or dealer approves in clicks
They request more documents, or approve. Decision time drops from two weeks to minutes.
FINANCING DECISION · APP_9921
BorrowerBudi Santoso
EquipmentKomatsu PC200
AI credit score812 / 900
RecommendationApprove
Request docs
Approve
Approved
06Monitor
Telematics keeps watching after funding
A device on the equipment streams location and usage for ongoing risk reduction over the life of the loan.
Telematics armed
EXC-004LAT -6.2088
Use: 78%
LIVE
WhatsApp agent
Selamat siang, Pak Budi! Looking to finance an excavator?
Yes, a Komatsu PC200 from a dealer in Balikpapan.
Send a photo of your KTP and 3 months of bank statements.
KTP.jpg · rekening_3bln.pdf
Why AI
Why AI makes better decisions
Loan officers stay in control. The AI just does the slow part faster, and shows its work every time.
Faster
Scores generated in minutes instead of the days a manual review takes.
Consistent
Every application is scored against the same criteria, every time.
Explainable
Every score comes with the reasoning and documents behind it.
Auditable
Full document trail and decision history for every application.
Fraud detection
Discrepancies between documents are flagged automatically.
Gets smarter over time
Real-world repayment and equipment data make every future score more accurate.
Platform overview
From a WhatsApp message to a funded loan
Three steps: intake, scoring, decision, with telematics handoff at the end.
Step 1: WhatsApp Intake
Our AI agent qualifies the borrower and collects every required document (KTP, bank statements, invoices) directly inside the chat.
- ● Asks qualifying questions
- ● Collects documents
- ● No app or portal needed
Budi's application In progress
ID card received
Bank statement received
Now being scored…
Step 2: AI Credit Scoring
A second AI agent reads every document, flags discrepancies, and generates a credit score banks and dealers can trust.
Credit Score
812 / 900
SafeCritical
Step 3: Bank & Dealer Approval
Banks and dealers see the score and reasoning instantly, then request more documents or approve the loan in a couple of clicks.
WhatsApp Intake
Fleevo AI Score
Bank Decision
Budi messaged Fleevo and sent his KTP and bank statements straight from the chat.
Documents receivedKTP, bank statement
DiscrepanciesNone yet
StatusScoring now
How it fits your stack
No rip-and-replace
Fleevo sits alongside your current process. It doesn't ask you to replace your loan origination system or core banking platform to get started.
Intake
Borrowers apply over WhatsApp. No app, portal, or login for them to learn.
AI processing
Documents are read, cross-checked, and turned into a credit score with reasoning.
Output
A score, a memo, and any discrepancy flags, formatted for a human reviewer.
Hand-off
Your loan officers review and approve from your existing dashboard or workflow.
AI credit scoring
Everything Fleevo's AI reviews
Ten signals feed every credit score, far more than a paper application ever captures.
Asset valuationMake, model, hours, condition
Identity
Income
Business
Cash flow
Bank statements
Invoices
GPS & telematicsLive location & utilization
Credit history
Repayment history
Post-funding risk reduction
Telematics: the third pillar
Once equipment is purchased, a device installs and starts streaming usage and location, giving banks and dealers ongoing visibility into the collateral behind every loan.
Device live · EXC-004
Contractor
PT. Bumi Nusantara
Last location
Balikpapan, Site A
Status
Active
EXC-004
Active
Hydraulic excavator
ContractorPT. Bumi Nusantara
LesseeDelta Quarry Ltd.
Lease duration36 months
Outstanding principalIDR 2.1B
Interest rate9.5% p.a.
Last locationBalikpapan, Site A
Repayment healthOn track
DT-882
Moving
Mining dump truck
ContractorCV. Mitra Jaya
LesseeSamarinda Mining Co.
Lease duration24 months
Outstanding principalIDR 3.8B
Interest rate10.2% p.a.
Last locationSamarinda, Haul Road 7
Repayment healthOn track
DZR-105
Idle
Crawler dozer
ContractorPT. Cahaya Terang
LesseeEast Borneo Infra
Lease duration30 months
Outstanding principalIDR 1.6B
Interest rate10.8% p.a.
Last locationSite B · 4h ago
Repayment healthWatch
Live in 3 weeks
No rip-and-replace. A full pilot, kickoff to launch.
Enterprise trust
Built for regulated lenders
Credit decisions carry real consequences. Fleevo is built to be trusted, audited, and verified.
Encryption
Documents and conversations are encrypted in transit and at rest.
Role Permissions
Banks, dealers, and Fleevo staff only see what their role allows.
Audit Logs
Every document view, score, and decision is logged and traceable.
Explainable AI
Scores ship with the reasoning behind them, never a black box.
Private Deployment
Enterprise lenders can run Fleevo within their own infrastructure.
Who we serve
Built for the entire lending chain
Banks, dealers, and contractors all work from the same AI credit score and the same source of truth.
Banks & Lenders
AI Credit Scores, Automated
- Receive AI-generated credit scores with full reasoning
- Request more documents or approve in a couple of clicks
- Ongoing telematics monitoring reduces portfolio risk
Dealers & OEMs
Pre-Qualify Buyers, Close Faster
- AI pre-qualifies buyers over WhatsApp at point of sale
- Embedded financing decisions in minutes, not weeks
- Telematics protects collateral after the sale
Contractors & Owners
Get Financed Over WhatsApp
- Qualify and submit documents in a single WhatsApp chat
- No paperwork, no portals, no waiting in line
- Faster decisions mean less time off the job site
Testimonials
What early partners are saying
Quotes below are illustrative placeholders, to be replaced with real customer testimonials.
“Decisions that used to take our underwriting team two weeks now land on our desk in minutes, with the documents already verified.”
Risk Director
Multifinance partner (illustrative)
“Our customers finance their excavator over WhatsApp while they're still standing on the lot. That's the whole sale, start to finish.”
Branch Manager
Equipment dealer (illustrative)
“I didn't have to fax anything. I sent my KTP and bank statement in the same chat I use for everything else.”
Contractor
Heavy equipment owner, Balikpapan (illustrative)
FAQ
Frequently asked questions
Borrowers message Fleevo's number, the AI agent asks qualifying questions, and requests documents like KTP and bank statements, all inside the same chat, no app or portal needed.
Ready to approve loans in minutes instead of days?
See how Fleevo's WhatsApp agent, AI credit scoring, and telematics work together. Book a demo.
Book a demo