Referral Based Approach
![Referral Based Approach](https://vayana.com/wp-content/uploads/2021/07/Vayana-23-06-21-Final-CTC-01-01.png)
The application uses a unique referral-based model based on assessing a company’s trade flows with larger enterprises that have an established creditworthiness.
The application facilitates pre and post sanction documentation and incorporates the Vayana Loan Origination System (V- LOS) for onboarding new customers