What it does
- Guides applicants through a customer-configurable application flow.
- Collects required data and documents through native WhatsApp components, buttons, list messages, and Flows.
- Validates fields and documents for completeness, readability, expiration, applicant match, and consistency.
- Integrates with your pre-approval and approval engines and normalizes outcomes into a standard set of decisions.
- Communicates status, missing requirements, and final outcomes back to the applicant in plain language.
- Escalates to a human when policy, compliance, or applicant frustration requires it.
Who it is for
- Consumer and SMB lenders originating loans through WhatsApp instead of web forms.
- Fintechs that already have decisioning engines and want a conversational front door.
- Teams in Latin America and other WhatsApp-first markets where chat is the primary channel.
Core capabilities
WhatsApp Conversation Interface
Inbound and outbound conversations on each customer’s own WhatsApp Business number, with buttons, list messages, Flows, and templates.
Account Connection
Meta Embedded Signup so customer admins connect their WhatsApp Business Account and phone number from your dashboard.
Application Data Collection
Configurable schemas for required fields, conditional fields, consent copy, and disqualifying criteria, with progressive save and resume.
Document Validation
Checks for readability, supported file type, expiration, applicant match, tampering signals, and required content, with an audit trail.
Qualification & Decisioning
Pre-approval and approval engine integrations with normalized outcomes: approved, conditionally approved, declined, pending review, or needs more information.
Human Handoff
Escalates to a human agent on policy, compliance, ambiguity, or applicant frustration, with full context preserved.
Applicant experience
1
Applicant starts or resumes on WhatsApp
The agent identifies the customer, product, locale, and applicable application flow.
2
Agent asks only for what is missing
Data is collected through native WhatsApp components. Progress is saved so applicants can resume later.
3
Documents are collected and validated
Uploads are checked automatically. Mismatches trigger corrections in plain language, without exposing internal rules.
4
Decisioning runs
Once minimum data is available, pre-approval runs. On completion, the final approval engine is called and the response is normalized.
5
Outcome is communicated
The applicant receives an approval, conditional approval, decline, or next-step message, or is handed to a human when needed.
Multi-tenant by design
Each customer connects their own WhatsApp Business number and account. PathPilot handles onboarding, webhook routing, credentials, agent orchestration, and validation, but the applicant-facing sender identity stays as your customer’s approved number.Get access
Request access at getpathpilot.com
Contact us to enable Loan Origination for your organization and receive onboarding, credentials, and full technical documentation.