Guarantors
outside the check
The person underwriting the risk is often the one nobody screened.
By industry
Screening inside the credit decision
A loan application is already a decision with a deadline. Sanctions, PEP and ownership checks belong inside it, not after approval.
What you switch on
What a lender switches on first
The whole counterparty set at origination; the book afterwards.
Why this matters here
The counterparty is not just the borrower.
Guarantors, directors, beneficial owners of an SME applicant and the supplier on an asset finance deal are all counterparties. Most lending programmes screen one of them and inherit the rest.
SME owners
a name, not a structure
A company applicant hides several natural persons behind one line.
The book
screened at origination only
A five-year loan checked once is a five-year assumption.
150 ms
Inside the credit call
100%
Guarantors in scope
15 min
Portfolio rescreening
−54%
Manual checks per file
Journey · Four beats
Scroll to advance
A customer through your funnel
-
Step 01
The application arrives
Borrower, guarantors, directors and beneficial owners resolved into one counterparty set.
-
Step 02
Screened inside the credit call
One query covers the whole set, returned before the credit decision is made.
-
Step 03
The book stays in scope
Every party on every live facility is rescreened on the same fifteen-minute cycle.
-
Step 04
A decision credit can read
Compliance outcomes land in the credit file with a reason code, not in a separate system.
complead / lending / application
- Applications today412
- Parties per file3.4 avg
- Resolved99.1%
complead / screening / set
- Parties screened1,401
- Hits2
- Median151 ms
complead / monitoring / book
- Live facilities38,204
- Parties monitored129,894
- Alerts today4
complead / cases / facility
- Declined on AML1
- Reason codesanctions match
- Credit fileupdated
Apply
Screen
Monitor
Record
What you answer to
What applies to lending specifically
Credit risk and financial crime risk are supervised separately and reviewed together. The evidence has to satisfy both readers.
Read the compliance guides
Supervisor
CDD on all parties to the facility
At origination
Regulator
Ongoing monitoring for the term
Continuous
FIU
Reporting on suspicion
On detection
Internal audit
Decline reasons and consistency
Per cycle
Case study · Lending
Read the case study
An SME lender brought guarantors into scope
Screening covered the applicant company and stopped there. Adding directors, owners and guarantors tripled the parties checked without adding a step to the credit workflow.
3.4x
Parties per file
−54%
Manual checks
151 ms
Median response
Cross-family links
Where teams like yours go next
FAQ
Before you ask us
Does this slow our credit decision?
The whole counterparty set returns in around 150 ms, inside the call your decision engine already makes.
How do you handle SME applicants?
The company resolves to its directors and beneficial owners, and all of them are screened as one set.
What about the existing book?
Batch screening brings it in, then every party on every live facility joins the same monitoring cycle.
Where do declines get recorded?
In the credit file with a reason code, so the credit and compliance records agree.
Screen a whole application, not just the applicant
Bring one SME file with its guarantors. We will show you every party the current check misses.
3,000+
Data sources checked
220+
Countries covered
15 min
Always real-time data