Selected-lender consent
Borrowers pick one or more lenders from the directory before submitting. Each lender only receives the request the borrower explicitly consented to — including top-up and returning-client flows.
Platform package 01
Marketplace Intake
Multi-lender loan requests, per-lender consent, and channel intake from web, email, WhatsApp, Excel, and staff walk-in — routed into one review queue.
Overview
The front door for borrower demand across your lender network.
Marketplace Intake is an optional borrower-facing channel into the Covenant Desk inquiries inbox. Borrowers browse a lender directory, choose which participating lenders may receive their request, and submit structured application data with explicit consent. Staff receive the same request in one intake queue — whether it arrived from the marketplace, email, WhatsApp, or manual entry.
The core value is one staff queue regardless of channel. Every path normalizes into the same lifecycle: capture, review, approve or reject, and hand off into the Management Portal as a borrower record.
Every intake path, one queue
Web marketplace, WhatsApp screening, AI email parsing, Excel uploads, and manual staff intake all land in the same review workflow with source metadata preserved.
Portal-ready records
Approved intake creates or updates borrower records in the Management Portal. Rejected or pending items stay in the queue with audit context for follow-up.
Capabilities
What Marketplace Intake covers end to end.
From the borrower's first click to the staff review desk — structured capture, consent, and routing without spreadsheets in between.
Lender directory
Participating lenders appear in a browsable marketplace. Borrowers compare options and select which companies may receive their loan request.
Multi-lender requests
A single submission can route to multiple selected lenders. Each lender sees only the requests the borrower consented to share with them.
Top-up and returning clients
Existing borrowers can request additional facilities or follow-up loans. The intake flow recognizes returning identity and links to prior records where available.
WhatsApp intake
Inbound WhatsApp messages are screened and parsed into structured lead records. Conversational intake captures enquiry details without forcing borrowers onto a web form first.
AI email and document intake
IMAP-connected email accounts feed unread messages through AI extraction. Attachments and body text become structured InboundLead records with confidence scoring for low-quality parses.
Staff intake and queue
Walk-in and phone enquiries enter via manual intake forms. Staff triage pending leads in a company-scoped queue before approving them into live borrower records.
Workflows
How requests move from borrower to lender staff.
From marketplace to submitted request
The borrower-facing path keeps consent and context explicit at every step.
- Browse the lender directory and compare participating companies.
- Select one or more lenders and confirm consent to share application details.
- Complete structured fields — loan amount, purpose, employment, contact, and identity.
- Submit the request and receive status tracking in the Client Repayment App.
- Receive updates as staff review, approve, or request additional information.
From inbound lead to live record
Operations teams work from a single intake queue regardless of source channel.
- New leads arrive in the intake queue with source channel, selected lenders, and parsed fields.
- Staff review low-confidence AI extractions and correct or reject before approval.
- Approved leads create or update CustomerRecord entries scoped to the correct company.
- Rejected or duplicate leads are logged with reason codes for audit and follow-up.
- Softmedia source connections can be linked during intake for immediate data pull on approval.
Key screens and routes
Intake surfaces across marketplace, staff portal, and admin.
Marketplace Intake spans the public-facing loan request flow and the internal routes staff use to manage inbound demand. These are the primary entry points in the Covenant Desk platform.
- 01Marketplace loan request — borrower selects lenders, provides consent, and submits structured application data.
- 02/intake — staff manual intake for walk-in, phone, and branch enquiries with optional portal login provisioning.
- 03/intake/queue — company-scoped pending lead queue for review, correction, and approval.
- 04/loan-requests — borrower-facing request status and selected-lender tracking in the client app.
- 05/admin/inbound-leads — admin triage for AI-parsed email, WhatsApp, and low-confidence extractions.
- 06InboundLead records — normalized lead objects with source metadata, confidence scores, and handoff into CustomerRecord on approval.