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Pre-qualificationPre-qualification

Qualify merchant leads before they enter intake.

  • CRM leads are ingested and scored before anyone opens a full application file.
  • A structured voice screen extracts tenure, volume, credit, and use of funds against the rubric.
  • Qualified, stipulations, or decline — with CRM fields updated and a ready file for the LOS.
  • Sales and risk share one scorecard instead of hallway notes and stale CRM statuses.

01Scope

What Credio handles — and who it's for

Workflows

What Credio handles for this solution.

  • Lead ingest

    Syncs the CRM lead and starts the pre-qualification playbook.

  • Voice screen

    Places the outbound call and extracts structured interview answers.

  • Scorecard

    Scores tenure, volume, credit, and use of funds against the rubric.

  • Handoff

    Updates CRM fields and exports a ready file to your LOS.

Built for

Teams who run these workflows.

  • Acquiring banks

    Screening inbound and campaign leads before they consume intake capacity.

  • ISOs & agents

    Qualifying merchant prospects so only ready files hit the sponsor.

  • PayFac sales ops

    Keeping CRM statuses honest with a scorecard, not a gut call.

  • Risk ops leads

    Setting the bar for who is allowed to enter underwriting.

02From friction to decision

What slows teams down

Four analysis layers, each tied to a bottleneck your team hits at intake.

The friction

Bottlenecks your team hits at intake.

Unqualified leads clog intake

Every CRM row becomes an application, even when tenure, volume, or credit would have failed a five-minute screen.

No structured voice screen

Calls happen, but answers live in voicemail and Slack instead of fields the scorecard can use.

Scorecard drift

Each ISO or branch applies a different bar, so the same lead is qualified on Monday and declined on Tuesday.

CRM never catches up

Dispositions, stipulations, and LOS handoff lag the conversation, so sales works a stale pipeline.

How Credio decides

Analysis layers tied to each bottleneck.

CRM Ingest & Duplicate Check

Pull the lead from campaign, branch, or inbound channels, dedupe against existing files, and start the pre-qualification playbook.

Structured Voice Screen

Place the outbound call within target TAT and extract tenure, volume, credit, and use of funds as structured answers.

Scorecard Against Rubric

Score the interview against your program rubric so qualified, stipulations, and decline are the same call every time.

CRM Update & LOS Handoff

Write the disposition back to CRM and export a ready file to intake only when the lead clears the bar.

03The pipeline

How it works

From intake to documented decision.

01

Lead Ingest

Without Credio · Leads sit in CRM with no playbook.

Syncs the CRM lead and starts the pre-qualification playbook.

Ingest

CRM syncDuplicate checkChannel source

02

Voice Screen

Without Credio · Interview answers never become fields.

Places the outbound call and extracts structured interview answers.

Screen

Outbound callTenureVolumeUse of funds

03

Scorecard

Without Credio · Qualification is a hallway conversation.

Scores tenure, volume, credit, and use of funds against the rubric.

Score

CreditMCC fitVolume bandStipulations

04

Handoff

Without Credio · Qualified leads still stall before intake.

Updates CRM fields and exports a ready file to your LOS.

Outputs

CRM dispositionLOS exportDecline reason

04Results

Decisions & impact

Defensible outcomes. Compounding metrics.

QualifiedStipulationsDecline

Each lead gets a scorecard verdict, CRM update, and a file that is ready for intake — or a documented decline.

Operational impact

FewerUnqualified files entering intake
SameScorecard on every lead, every channel
CRMDisposition written before the next call

05Deployment

How agents get to work

How agents deploy

Minimal IT lift. Where your team already works.

Browsing agents

Agentic web research across 30+ public sources, internal portals, and SaaS UIs your team already uses

Voice AI agents

Outbound verification calls, customer outreach, and ATO operations, voice biometrics included

Email & text agents

Inbound triage, response drafting, dispute communications, and structured routing to humans

Slack & Teams native

Human-in-the-loop approvals and escalation directly inside the channels your team already lives in

Connects with

and many more

Deployment, governance & controls

SOC 2 Type II Certified

SOC 2 Type II Certified

+ ISO 42001

Deployment time

to production

< 1 day

Operational value

decision to live

Uptime SLA

enterprise-grade

Full

Decision lineage

audit-ready

06FAQ

Common questions

No. It screens leads so intake starts with qualified files, not a pile of incomplete applications.

07Continue exploring

Related solutions

Adjacent workflows and operational guides.

Scale decision capacity without scaling headcount

Audit-ready recommendations inside your existing queues.

SOC 2 Type II
Zero Data Retention
Full Decision Lineage