1. Understand the requirement
We begin with the purpose, amount, applicant profile and timing so the case is routed toward an appropriate product rather than forcing every requirement into the same loan.
2. Review the profile
Income, business financials, credit history, existing obligations, security and product-specific information are reviewed at a practical level before lender coordination.
3. Prepare the file
The document pack is organized and gaps are identified. A cleaner file can reduce avoidable back-and-forth, although it cannot guarantee approval.
4. Coordinate lender routes
Metal Card works through applicable DSA, sourcing and channel-partner arrangements. Suitable routes depend on active relationships, lender programs and case fit.
5. Track queries and progress
The web and mobile workflow is designed to keep documents, remarks, process stages and conversations connected to the loan application.
6. Sanction and completion
Where a lender approves the case, Metal Card coordinates applicable sanction conditions and later process steps. Disbursal remains subject to completion of lender requirements.