The no comes with a why.
Ask about any decision and get the rule, the data, and the threshold that decided it.
Meet GoRules AI v2.0
GoRules Version 2 is here - redesigned, now with managed cloud.GoRules Version 2 is here!
Watch the launch videoWatchThe decision engine
behind your lending.
Automate eligibility, limits, and risk-based pricing with rules your credit team owns. Your tech team integrates once - after that, policy changes without a release.
More financial services decisioningPolicy changes,
without the IT project.
Manual credit decisions slow lending down and drift over time. Hardcoded rules turn every policy change into a release. When rates drop or regulations shift, you act - instead of waiting on a sprint.
- Decisions in milliseconds, not hours
- Consistent criteria on every application
- Credit team edits rules directly
- Full audit trail of every decision
From integration
to proactive outreach.
One engine carries an application from intake to decision - then keeps working your portfolio after the loan is booked.
01Connect your loan origination system
REST API and native SDKs for any platform - integrate once and it runs automatically inside your existing workflow.
02Define credit rules visually
Eligibility, scoring, and pricing in decision tables anyone can read. Import existing rules straight from Excel.
03Automate the decisions
Clear approvals and declines resolve instantly; edge cases route to underwriters with full context.
04Re-evaluate the portfolio
Run the entire book through updated rules overnight - millions of records in one batch job.
05Route new eligibility to sales
When customers qualify for better rates or higher limits, your sales team hears about it first.
Every decision,
explainable to audit.
Approvals, declines, and referrals all leave the same trail: which rule fired, on which data, in which release - years later, on demand.
Edge cases meet humans.
Applications outside the clear bands queue for underwriters with every input attached.
Explore approval flowsRe-score the book overnight.
The same policy that decides one application sweeps your whole portfolio in batch - surfacing limit increases, rate improvements, and cross-sell opportunities while interest is warm.
Explore big dataCredit decisions
you can automate.
Start with one decision and grow - the same policy language covers the whole lending lifecycle.
Loan eligibility
Check income, employment, and credit history against your criteria.
Credit limits
Calculate limits based on risk profile and customer segments.
Risk-based pricing
Set interest rates dynamically based on applicant risk.
Instant decisions
Auto-approve or deny applications that meet clear criteria.
Manual review routing
Flag edge cases for underwriter review with full context.
Portfolio monitoring
Continuously check existing accounts against updated rules.
Build, buy -
or neither.
Two common paths to a decision engine, and why lending teams keep choosing a third.
Build in-house
Your engineering team builds a custom decision engine from scratch.
- Months of development before results
- A flexible rules UI is a product of its own
- Maintenance pulls engineers off core product
- Business users still file tickets for changes
Legacy enterprise platforms
Sign a multi-year contract with a legacy decision management vendor.
- Your data lives on their servers
- Feature requests join a long queue
- Limited integration with your LOS
- Proprietary formats and pricing lock-in
GoRules: the best of both
A decision engine you can self-host, with a visual interface your credit team will actually use.
- Open-source engine - no lock-in, ever
- Self-host in your VPC or use our cloud
- Visual UI built for decision management
- Integrates with any LOS via API or SDK
- Your data stays yours
- Deploy in days, not months
Frequently asked questions.
What is a credit decision engine?
A credit decision engine is software that automates lending decisions by evaluating applicant data against your credit rules. Instead of manual review or hardcoded logic, it uses configurable rules to instantly determine eligibility, calculate credit limits, and set pricing - while maintaining a full audit trail for compliance.
How long does integration take?
Most teams complete integration in hours to days, not months. GoRules provides REST APIs and native SDKs for popular languages, so your engineering team can connect it to your existing loan origination system with minimal effort. The rules themselves can be built and tested in parallel.
Can we use our existing credit scoring models?
Yes. You can import existing rules from Excel spreadsheets or recreate them visually in our decision table editor. GoRules supports complex scoring models, nested conditions, and custom calculations - all without writing code.
Is our data secure?
Your data stays yours. GoRules can be self-hosted in your own VPC, meaning applicant data never leaves your infrastructure. For cloud deployments, we offer SOC 2 Type II certification, encryption at rest and in transit, and configurable data retention policies.
Automate the yes.
Explain the no.
Join lending teams who process applications faster, stay compliant, and turn eligibility changes into revenue.