01
Market Sentinel
Continuously ingests 17+ market data sources and maps commercial-lending opportunity zones by signal density, charge-expiry concentration, and historical application value.
AgenBTL
BANKING & BFSI · COMMERCIAL LENDING
From market signal to credit-committee brief.
AgenBTL turns reactive lead flow into a scored, compliant, RM-ready pipeline. Eight specialised AI agents consolidate 17+ market data sources, surface high-propensity commercial borrowers at the point of intent, and gate every outbound action behind structural FCA, PECR, MCOB and UK GDPR compliance, with a tamper-evident audit trail from data ingestion through to RM approval.
In active development
THE PROBLEM
By the time a broker presents a deal, you’re one of five lenders being compared.
Commercial lenders are contacted late in the borrower’s decision cycle. By the time a deal reaches you, terms are already being compared against three to five competitors. Relationship Managers, meanwhile, spend disproportionate time identifying and qualifying leads rather than closing them.
Property listings, planning permissions, business rates, ownership transfers, and corporate filings sit across dozens of sources with no unified view. And outbound contact to commercial borrowers is governed by FCA FG21/3, PECR 2003, and MCOB. Manual compliance checks are inconsistent and hard to evidence under supervisory scrutiny.
AgenBTL is OrbitNexa’s vertical AI product to fix this: identifying borrowers at the point of intent, scoring them, and gating every outbound action behind structural compliance.
THE AI AGENT LAYER
Eight specialised agents. One coherent pipeline.
Each agent has a defined role and is independently testable and upgradable, working together to take a lending team from raw market signal to a credit-committee-ready brief.
02
Prospect Identifier
Scans charge data, company formations, property portals, and planning consents to surface businesses actively approaching a refinancing or borrowing decision, flagged by urgency tier.
03
Scoring & Enrichment
Runs a 14-dimension propensity model per prospect, normalised to a 0-100 score with confidence intervals, including ICR / LTV stress testing across the full lending product suite.
04
Engagement Orchestrator
Manages a three-step B2B email sequence: step one auto-sent on compliance pass, later steps held behind a mandatory Relationship Manager approval gate; regulated borrowers are blocked from automated send.
05
RM Co-Pilot
Generates plain-English deal briefs, personalised call scripts, objection-handling guidance, and indicative financial metrics: everything an RM needs for an informed first conversation in under two minutes.
06
Product RAG Chatbot
Answers product enquiries 24/7 across every lending product using retrieval-augmented generation over approved documentation, routing high-intent and regulated enquiries straight to a human RM.
07
Compliance Doc Scanner
Reviews every outbound template and marketing document against FCA FG21/3, PECR 2003, and MCOB, flagging issues by severity with the specific regulatory reference and a suggested remediation before anything goes live.
08
Compliance Guardian
Runs silently on every record before send (enforcing suppression lists, PECR pre-dispatch checks, active-status and director-disqualification validation) and blocks automated outreach to regulated borrowers. Everything is written to a 7-year tamper-evident audit trail.
HOW IT WORKS
Data in. Compliant, RM-ready pipeline out.
01
Ingest & map
17+ market data sources (Companies House, land registry, property portals, planning consents, business rates) refreshed and mapped into opportunity zones.
02
Detect & score
Commercial-intent signals surface prospects by urgency tier; a 14-dimension model scores each 0-100 with ICR / LTV stress testing.
03
Engage: RM-gated
A three-step email sequence sends step one on compliance pass and holds the rest behind Relationship Manager approval; regulated borrowers are blocked from automated send.
04
Brief & route
RM Co-Pilot generates the deal brief, call script, and credit pack; high-intent enquiries route to a human RM. Every step logged to a 7-year audit trail.
Stack: Next.js · Managed SaaS · Multi-source data ingestion · XGBoost propensity model · RAG · CRM integration (Salesforce / Dynamics 365) · 7-year audit trail
WHY AGENBTL
Purpose-built for commercial lending, not a generic CRM.
Intent, not reaction
Most lenders are contacted late, once terms are already being compared against 3-5 competitors. AgenBTL identifies borrowers at the point of commercial intent (property listing, planning application, ownership transfer) before they enter the broker channel.
One scored pipeline
Property listings, planning permissions, business rates, ownership transfers, and corporate filings are consolidated from 17+ sources into a single 0-100 scored pipeline, delivered daily, instead of RMs prospecting across fragmented data by hand.
Compliance as structure
FCA, PECR, MCOB, and UK GDPR aren't a bolt-on checklist. Dedicated compliance agents gate every outbound action, and every decision is defensible under regulatory review.
Evidence by default
Supervisory scrutiny increasingly expects firms to prove that leads were sourced, scored, and contacted in a documented, compliant way. AgenBTL logs every decision from ingestion to RM approval, traceable and exportable.
Built for the RM
A read-only RM console, credit-pack generator, and deal briefs put propensity scores, financial metrics, and call scripts in front of the Relationship Manager, so senior time goes to closing, not qualifying.
Fits the stack
Delivered as SaaS with structured onboarding and no infrastructure investment. Integrates with CRM systems including Salesforce and Microsoft Dynamics 365.
COMPLIANCE, BY DESIGN
Structural, not a bolt-on.
Two dedicated compliance agents gate every outbound action. Evidencing that leads were sourced, scored, and contacted in a documented, compliant way is becoming a regulatory expectation, not a best practice. AgenBTL makes every decision traceable and exportable, defensible under regulatory review.
FCA FG21/3
Financial-promotions guidance enforced on every outbound template before dispatch.
PECR 2003
Three-point pre-dispatch checks (unsubscribe, sender ID, and content) on every send, with opt-outs processed within 24 hours.
MCOB
Mortgage-conduct rules applied to regulated products; regulated borrowers blocked from automated outreach.
UK GDPR
Suppression enforcement, lawful-basis checks, and a 7-year tamper-evident audit trail across the platform.
COVERAGE
One pipeline across your full lending product suite.
- BTL Commercial
- BTL Residential
- Development Finance
- Care Homes
- Hotels & Hospitality
- SME / Corporate
- Loan Against Deposit
WHO SHOULD GET IN TOUCH
Three doors in.
LENDING DESKS
See it on your product suite.
Book a walkthrough and we'll show AgenBTL scoring a live pipeline across your commercial lending products.
Book a walkthroughCOMPLIANCE & RISK
Review the audit posture.
Walk through the FCA / PECR / MCOB enforcement points and the 7-year tamper-evident audit trail with our team.
Talk to usENGINEERS
We're hiring on the platform.
Data engineering, ML, and applied-AI roles. Senior, remote-friendly, ISO 27001 environment, eight agents under FCA, PECR, MCOB and UK GDPR enforcement.
See careersFAQ
Questions lenders ask.
- What is AgenBTL?
- AgenBTL is OrbitNexa's commercial-finance intelligence platform. It deploys eight specialised AI agents to identify, score, and compliantly engage new-to-bank commercial borrowers across a lender's full product suite, from raw market signal through to a credit-committee-ready brief, with FCA, PECR, MCOB, and UK GDPR enforcement built into every outbound action.
- Who is AgenBTL for?
- AgenBTL is built for UK commercial lenders (banks, NBFCs, and specialist finance providers) whose Relationship Managers spend disproportionate time identifying and qualifying leads instead of closing them. It suits teams lending across BTL commercial and residential, development finance, care homes, hotels and hospitality, SME / corporate, and loan-against-deposit products.
- How does AgenBTL enforce compliance?
- Compliance is structural, not a bolt-on. Two dedicated agents, Compliance Doc Scanner and Compliance Guardian, review every template against FCA FG21/3, PECR 2003, and MCOB, enforce suppression lists and PECR pre-dispatch checks, block automated outreach to regulated borrowers, and write every action to a 7-year tamper-evident audit trail defensible under regulatory review.
- How does AgenBTL score prospects?
- Each prospect is scored by a 14-dimension propensity model, normalised to a 0-100 score with confidence intervals and including ICR / LTV stress testing across the lending product suite. This lets Relationship Managers focus on the highest-propensity, in-policy opportunities first.
- How is AgenBTL deployed?
- AgenBTL is delivered as a managed SaaS platform with structured onboarding and no infrastructure investment required. It integrates with CRM systems including Salesforce and Microsoft Dynamics 365, and each of the eight agents is independently testable and upgradable.
Want to see AgenBTL on your lending desk?
Whether you run the lending desk, own compliance, or build the platform, we're easy to find. Founders review every inbound message personally.
+91 912-195-7728Hyderabad, IndiaEvery brief gets a senior review. Reply within 1 business hour, 9 AM-7 PM IST.