Now accepting Design Partners
From PDF to underwriter assessment in minutes.
Ragsha transforms PDFs into structured, compliance-ready credit assessments automatically. Built specifically for the Australian non-bank lending workflow.
Ragsha transforms PDFs into structured, compliance-ready credit assessments automatically. Built specifically for the Australian non-bank lending workflow.
The Problem
A broker emails a stack of PDFs - bank statements, payslips, and Centrelink summaries. Your analyst opens each one, scrolls through dozens of pages, and manually types the data into your LOS.
That's 20 minutes of manual labour per file. At 50 referrals a day, your credit team is spending their entire week on data entry instead of credit analysis.
The Solution
Ragsha reads broker documents with the precision of a senior analyst -then does what most analysts don't have time for. We verify income across sources, categorise every transaction, calculate affordability, evaluate compliance rules, and flag exactly what doesn't add up.
Your team gets a structured, audit-ready assessment with a recommendation -not a pile of PDFs.
How It Works
Upload PDFs or sync your inbox. Ragsha automatically classifies documents -from PAYG summaries to blurred phone photos of bank statements.
Income identified across sources -salary, Centrelink, other deposits -with confidence scoring and transaction-level evidence. Expenses categorised against lending criteria automatically.
Payslip vs. bank deposits. Declared vs. actual expenses. Affordability calculated -DSR, expense-to-income ratio, UMI buffer. 46 ASIC RG 209 rules evaluated automatically.
Income summary, expense breakdown, affordability analysis, risk findings by severity, underwriter checklist, and an AI-generated recommendation with full reasoning -ready for final review.
What Your Team Sees
Employer, pay frequency, Centrelink payments, other deposits -each income source is identified with transaction-level evidence, cross-verified between documents, and confidence-scored. No manual lookups.
Transactions sorted into essential and discretionary spend. Monthly trends charted by category -housing, food, childcare, utilities. Your team sees the full picture without touching a spreadsheet.
Compliance issues, red flags, and investigation items -sorted by severity with ASIC RG 209 references and recommended actions. Auto-decline triggers, referral conditions, and notes all in one table.
A clear recommendation with full reasoning -key risk factors, edge cases, and specific items flagged for human review. Your underwriters see exactly why the AI reached its conclusion and what to verify next.
Design Partner Program
Generic global platforms struggle with the nuances of the Australian lending landscape. Ragsha is built from the ground up to understand local document types -from Centrelink income codes to ATO Notice of Assessments.
Direct influence over our product roadmap. Ragsha integrates with your specific LOS and risk policies. Early-access pricing locked in from day one.
Real documents to test against. Feedback on what matters to your credit team. A willingness to shape the product together over 8-12 weeks.
Australian non-bank lenders processing referred applications through broker channels. If your team manually reads PDFs and types data into an LOS, this is built for you.
PDF ingestion, income verification, expense categorisation, affordability calculation, 46 ASIC RG 209 compliance rules, risk findings, and AI-generated assessment with full reasoning.
“I'm building the tool I wish my teams had during the peak of the buy-now-pay-later boom.”
Built by a Director of Engineering with 6+ years leading credit decisioning and fraud platform teams at one of Australia's largest fintechs.
We are currently onboarding a small number of Australian non-bank lenders to our Design Partner program. Leave your email and I'll reach out personally.