Credit Access, Decisioning & Compliance — Native to Salesforce
One platform for credit access, decisioning, and compliance—built inside Salesforce, so your team pulls the data, makes the call, and documents it without ever leaving the record.
An engine of LASER's credit decisioning software.
A Complete Financial Picture, Instantly
Transform how you gather and verify financial data.
Speed and accuracy define success in modern lending. While others struggle with manual document collection and data entry errors, you'll establish a direct, secure pipeline to the essential data that drives confident decisions.
Our ACCESS engine seamlessly connects with the core financial data sources lenders depend on — Experian, TransUnion, and Equifax for credit; Plaid for banking; and partner aggregators like MeridianLink, FactualData, and Informativ — delivering real-time, verified information directly into your Salesforce environment. No delays. No errors. No friction.
Within seconds of application submission, you possess a complete, authenticated view of your customer's financial standing. Your team focuses on analysis and relationship-building, not paperwork. Your applicants experience a modern, streamlined process that respects their time and builds trust from the first interaction.
The ACCESS Advantage
One Salesforce-native pipeline to Experian, TransUnion, Equifax, Plaid, and partner aggregators. Eliminate manual data entry. Reduce processing time by 70%. Enable your team to serve more customers with greater confidence.
Connected Data Sources
- Experian credit data — native Salesforce integration
- TransUnion credit data — native Salesforce integration
- Equifax credit data — native Salesforce integration
- Real-time banking data via Plaid
- Income and employment verification
- Partner aggregators (MeridianLink, FactualData, Informativ, CoreLogic Credco)
- Built directly inside Salesforce
An engine of LASER's credit decisioning software.
Decision Engine Features
- Customizable rules engine
- Instant decisioning assistance
- Automated approval workflows
- Consistent policy application
- Real-time dashboard analytics
Decisions, Accelerated and Assured
Transform your unique lending policies into automated intelligence.
With complete financial data at your fingertips, the next challenge becomes clear: making the right decision quickly and consistently. Our DECIDE engine serves as the intelligent core of your underwriting process, translating your credit policies and risk criteria into automated, objective evaluations.
This isn't merely about speed—it's about embedding unwavering consistency into every evaluation. Each applicant receives assessment against the same objective standards. Straightforward approvals process instantly. Complex cases route to your experts with comprehensive analysis already complete.
Your underwriting team gains superpowers: processing higher volumes without sacrificing quality, applying their expertise where it matters most, and operating with the confidence that comes from identical loans being scored identically—every single time.
The DECIDE Advantage
Increase lending velocity by 5x. Ensure consistent policy application. Free your experts to focus on complex scenarios that drive growth.
An engine of LASER's credit decisioning software.
FCRA, ECOA & GLBA Compliance: Built-In, Not Bolted-On
Navigate regulations with confidence, not complexity.
The regulatory landscape grows more complex each year. While others scramble with manual checklists and reactive measures, you'll operate with proactive, integrated compliance woven into every step of your lending process.
From application initiation through portfolio management, essential safeguards like AML and KYC verification happen automatically, seamlessly, continuously. Our COMPLY engine doesn't treat compliance as a final hurdle—it embeds regulatory adherence into the fabric of your workflow.
Every action, every decision, every data point remains audit-ready and accessible. You demonstrate adherence to ECOA, FCRA, FTC Safeguards, and evolving regulations with confidence. Transform your greatest risk into your strongest shield—protecting your institution, your reputation, and the trust you've earned.
Compliance Coverage
- Automated AML/KYC verification
- ECOA & FCRA compliance tracking
- FTC Safeguards monitoring
- Audit-ready documentation
- Continuous compliance updates
The COMPLY Advantage
Achieve 100% audit readiness. Eliminate manual compliance tasks. Operate with total confidence in your regulatory adherence.
A Salesforce credit integration, module by module
A native Salesforce credit integration means the bureau connection, the underwriting logic, and the compliance controls all live inside the Salesforce org you already operate — not in a separate portal your team logs into and reconciles by hand. That distinction is the whole point of the LASER platform. Every module below writes to the same record, shares one security model, and contributes to a single audit trail, so adding capability never means adding another system to integrate, secure, and explain to an examiner. You can adopt the modules together as a full lending stack or in stages — start with credit access, add automated decisioning, then layer in compliance — because each one is built on the same Salesforce-native foundation rather than bolted on from the outside.
Credit bureau access (ACCESS)
Pull Experian, Equifax, and TransUnion credit reports — tri-merge or single-bureau — directly onto any Lead, Account, Opportunity, or custom loan record using your own subscriber credentials. The full report attaches as the source document, and parsed tradelines, balances, public records, and inquiries land as structured fields your team can report and decide on without leaving Salesforce.
Bank & income verification
Bring Plaid-powered bank, cash-flow, income, and employment data into the same record. For thin-file, self-employed, or non-prime applicants, verified real-time deposit and payroll data lets you underwrite on demonstrated capacity to repay rather than credit history alone — a fuller picture at the moment of decision.
Automated underwriting (DECIDE)
Apply configurable scorecards and decision rules so identical inputs produce identical outcomes, every time. Straightforward files clear in seconds; edge cases route to underwriters with the rule path attached. Every approve, decline, or refer is tied to specific reason codes that feed ECOA-compliant adverse-action notices automatically.
Compliance automation (COMPLY)
Embed FCRA permissible-purpose, ECOA / Regulation B, GLBA and FTC Safeguards, OFAC, and BSA / AML-KYC checkpoints directly into the workflow. Because the controls run at the moment a decision is made, the documentation examiners expect is generated as a byproduct of normal lending — not assembled during an audit scramble.
Business & commercial credit
Pull and analyze commercial credit alongside guarantor and beneficial-owner data for equipment, working-capital, and commercial lending. The same native integration extends to business borrowers, so consumer and commercial decisions share one platform, one security model, and one audit trail.
Financial account access & AML/KYC
Verify banking and financial accounts with identity and watchlist screening built in, so customer identification and pre-account-opening verification happen inside Salesforce. Onboarding, decisioning, and compliance stay on one record instead of spread across disconnected tools.
Together, these modules turn credit retrieval, decisioning, and compliance into one auditable workflow inside Salesforce. See how they combine in LASER’s credit decisioning software, or start with the automated underwriting software at the core of the DECIDE engine.
Behind every module is the same connected-data layer: LASER integrates the major bureaus plus 30-plus credit, banking, identity, and property data partners, so the data feeding a decision is as complete as the decision needs it to be — see the full roster on the credit partners page. Whether you are a mortgage lender running tri-merge reports, a fintech automating instant decisions, a credit union standardizing policy across branches, or a CDFI documenting mission-driven underwriting, the platform meets you where you already work — inside Salesforce — and grows with the products you launch.
Explore Our Applications
Discover the specific Salesforce applications that power our platform