Featured feature: Automatic alternative offer

NestEgg’s decision engine provides an automatic alternative offer.


Sometimes a loan applicant applies for too much. But, given their credit profile, how much is the right amount?

Working out an alternative offer is consuming. Checking lending policy to work out an acceptable amount takes time. The process slows everything down.  As a result, members start phoning the office to chase their loan application and the work mounts up.


NestEgg’s decision engine provides an automatic alternative offer.

In the case below the loan application was for over £5,000 and was a decline. In fact, anything over £2,000 was a decline. Nevertheless any loan for £2,000 and under was an automatic accept:

Additionally, an applicant might be offered a higher amount.

In the case below the application was for under £1,000 yet on lending strategies up to £2,000 the applicant would have also been an auto-accept. In fact, a loan of more than £2,000 was only referred because of credit score:


Automatic alternative offers lead to fewer declines. Enabling a lender to turn around loans really quickly and maintain excellent service. Loans officers can be safe in the knowledge that they’ve made a reduced offer in compliance with lending policy.

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Adrian Davies

Adrian is a co-founder at NestEgg. He is an alternative finance and credit union expert. Adrian has 25 years’ experience in the money advice and responsible lending sectors, supporting credit unions with innovative ideas so they can grow and meet member needs.

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