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.
Trusted by banks & OEMs
Credit decisions banks & dealers already rely on
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.
The problem
Why heavy equipment lending is broken
Average decision time
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.
Resubmit documents by email and wait for re-review.
Why Fleevo
What changes when you switch to Fleevo
The same loan, reviewed two ways, across every step from intake to ongoing monitoring.
Meet Fleevo
Two AI agents, one telematics layer
Everything happens inside WhatsApp, then keeps working long after the loan is funded.
WhatsApp qualification agent
Talks directly with the contractor or client, asks the right questions, and collects every required document. No app download, no forms.
AI credit scoring agent
Reads every document, flags discrepancies automatically, and generates a credit score banks and dealers can act on immediately.
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.
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.
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.
Every signal is pulled and cross-checked
Income, obligations, asset valuation and identity are extracted and reconciled across documents, with discrepancies flagged.
A credit score, with its reasoning
Fleevo generates a score from verified data and shows the factors behind it. Never a black box.
The bank or dealer approves in clicks
They request more documents, or approve. Decision time drops from two weeks to minutes.
Telematics keeps watching after funding
A device on the equipment streams location and usage for ongoing risk reduction over the life of the loan.
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
Step 2: AI Credit Scoring
A second AI agent reads every document, flags discrepancies, and generates a credit score banks and dealers can trust.
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.
Budi messaged Fleevo and sent his KTP and bank statements straight from the chat.
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.
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.
Hydraulic excavator
Mining dump truck
Crawler dozer
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
Real feedback from the dealers and distributors already working with Fleevo.
“Fleevo has been incredibly helpful in facilitating both unit purchases and financing through its banking and leasing partners. They bridge the gap between corporate clients and distributors seamlessly.”
“As an equipment dealer, I find Fleevo's platform immensely valuable. It simplifies and accelerates the sales process, effectively supporting both dealers and customers.”
FAQ
Frequently asked questions
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