Loura Intelligence
A consistent way to read every file
Every case we take on is checked the same way: the same documents, the same checks, the same questions. Loura Intelligence is the internal tool that keeps this consistent. It supports our advisers and never makes a credit decision on its own.
What it does
Three jobs, all of them to prepare your case properly.
Sorting your documents
Bank statements, financial statements, Notices of Assessment, credit reports and business profiles are identified and filed against our checklist.
Checking what's missing
Missing months, missing accounts and missing guarantor documents are flagged before a case goes anywhere.
Summarising your position
Turnover, repayment conduct, existing loans and what you can afford are summarised for the adviser to check.
Suggesting likely routes
An early view of which types of provider may fit, always checked by an adviser before anything is decided.
Preparing your case
A clear, organised file that a lender can read without having to chase you for basic information.
Keeping a record
Who reviewed what, and when — kept on Loura's systems.
Where a person checks the work
01
Intake
Our staff upload your documents to your case file.
02
Read
Documents are sorted and checked for anything missing.
03
Summarise
An early internal summary of your position is produced.
04
Review
An adviser checks every point against your actual documents.
05
Recommend
You get advice from a person, with the reasons explained.
What we will never do
- No automatic approval — the system cannot approve or decline financing
- No guarantee of funding, rates, amount or terms
- No submission to any provider without staff review and your go-ahead
- Every assessment is checked by a named adviser before you see it
- Access to your case file is limited to authorised staff only
- Your documents are held on Loura's systems under PDPA obligations
Questions owners ask
Does the system decide whether we get financing?
No. It gives our advisers an early internal read of your file. Every credit decision is made by the provider, and every piece of advice you receive is checked by a person.
Is anything submitted automatically?
Never. Nothing leaves Loura without a staff review and your written go-ahead.
What happens to our documents?
They are stored securely on Loura's systems and used only to assess your case, in line with our PDPA obligations.
Can it guarantee a rate or an outcome?
No. It cannot approve, guarantee or price any financing, and neither can we. Terms are set by the provider after its own assessment.
Talk through your financing position
A Loura consultant will review your position and tell you plainly what is realistic before anything is submitted anywhere.