Problem Statement
Reality Finance's manual brokerage model was limiting scale. Experienced underwriters spent hours qualifying each SME, pulling credit data manually, and producing quotes that could not be delivered at speed or volume. The business needed to digitise their proprietary scoring methodology without losing the accuracy and judgement that underpins every decision.
Proposed Solution & Architecture
- Serverless SaaS scoring engine — Lambda-based algorithm digitising the three-factor lending model: years trading, net worth, business growth
- Real-time Credit Safe integration for live business credit snapshots during the scoring process
- Bi-directional FileMaker CRM sync via EventBridge — background synchronisation with no impact on frontend performance
- Interactive SME dashboard with approval likelihood indicators, borrowing power assessments, and self-service quoting tools
- FCA-compliant data architecture — encryption, IAM, VPC isolation, 7-year financial record retention via S3 Glacier
- Decoupled notification system via SES and SNS for real-time status updates throughout the application lifecycle
AWS Services & Technologies
AWS LambdaAmazon EventBridgeAmazon DynamoDBAmazon RDSAmazon S3AWS WAFAWS KMSAmazon SESAmazon SNSAmazon CloudFrontAWS BackupCredit Safe APIFileMaker CRM
What We Delivered
- Worked with Reality Finance underwriters to digitise the proprietary three-factor scoring logic into a serverless Lambda-based algorithm.
- Built real-time Credit Safe API integration to retrieve live business credit data during the scoring process.
- Designed and implemented bi-directional asynchronous CRM sync with FileMaker using EventBridge — updates run in background without blocking user journeys.
- Built the SME-facing dashboard with approval likelihood indicators, parameter adjustment tools, and self-service quote generation.
- Implemented hardened AWS infrastructure: VPC with private subnets, WAF, KMS encryption, multi-tier security.
- Set up 7-year financial record retention using S3 Lifecycle Rules transitioning to Glacier Deep Archive automatically.
- Configured immutable financial records and AWS Backup for automated recovery points across RDS, DynamoDB, and S3.
Outcomes & Success Metrics
- 99% quote accuracy achieved — digital assessments match final broker terms with near-perfect consistency.
- SMEs now receive borrowing power assessments in real time — no manual underwriter involvement for qualification.
- Real-time Credit Safe integration live — underwriters see live credit data during every assessment.
- FileMaker CRM sync operational — no more manual data entry between systems.
- FCA and GDPR compliance architecture validated — 7-year retention, immutable records, audit trails in place.
- Platform ready for multi-tenant expansion and Marketplace distribution.