Overview
The Decision Summary tab gives you a structured view of a loan application. It shows what the outcome is for the amount applied for and what the outcome would be across all loan amount bands for the product. This means you can see at a glance whether there is a better amount to offer the applicant, and take action directly from the tab.
You will find the Decision Summary tab after opening an application from your dashboard.
Loan amount bands
Each Ruleset is divided into bands based on the loan amount. For example, a ruleset might have four bands:
Band A: up to £1,000
Band B: £1,001 to £3,000
Band C: £3,001 to £6,000
Band D: £6,001 to £10,000
The band an applicant falls into is determined by the amount they applied for. Rules are assessed separately for each band, so the same applicant may produce a different outcome at a different loan amount.
The minimum counter-offer threshold
When an applicant cannot be accepted at the amount they applied for, the system looks at lower bands to see if a counter-offer is possible. However, not every lower-band amount is worth offering.
To protect applicants from being offered a token amount that would not genuinely meet their financial need, the system will only suggest a counter-offer if the alternative amount is at least a set percentage of what the applicant originally asked for. This is called the minimum counter-offer threshold. The default is 80%, but your organisation can configure a different value.
For example, if an applicant asks for £10,000 and the threshold is 80%, a counter offer will only be shown if it is £8,000 or more. If the best alternative is £6,000, the system will not recommend it as a counter-offer, though it will still note it exists.
Note: The threshold is there to help you carry out your duty of care to the applicant. Offering an amount that falls significantly short of what they need may leave them in a worse position overall.
What the tab shows
The Decision Summary tab has two main parts: a summary box at the top and band cards below it.
The summary box
The summary box gives you a plain-language description of the situation. It tells you:
Who applied, how much they asked for, and over what term
Which band their application falls into
Whether the applied-for amount is the best outcome, or whether a better alternative exists
Whether any counter-offer is within the minimum counter-offer threshold
The background colour of the summary box reflects the best available outcome across all bands:
Green: the best available band has no Decline or Refer rules triggered
Amber: the best available band has no Decline rules but at least one Refer rule remains
Red: every band triggers at least one Decline rule and no viable counter-offer exists
The band cards
Below the summary box you will see four cards, one for each band of the loan product. Each card shows:
The overall decision for that band (Accept, Refer, or Decline)
The rules that were triggered, with Decline rules listed first, followed by Refer rules
The three most relevant rules by default; click +x more rules to see the full list, and Show less to collapse it again
The cards use colour to indicate the outcome:
Green: Accept
Amber: Refer
Red: Decline
Cards may be tagged as:
Applied-for band: the band containing the amount the applicant asked for
Fewest issues: the band with the lowest number of Decline and Refer rule triggers
Counter-offer: the maximum loan value within the fewest-issues band, provided it meets the minimum counter-offer threshold
Suggested: this is the card with the fewest issues that also appears to meet the applicants needs, and so if you are going to lend to them, we 'suggest' this amount would be the best fit.
Taking action from a card
You can act directly from any card without leaving the Decision Summary tab.
Accepting from a card
Clicking a card gives you access to the Accept and Decline options inside the card. If you accept from a card:
The loan amount in the confirmation window will update automatically to the maximum value for that band
The APR will update to reflect the product settings for that amount
You can edit the amount or APR before confirming if needed
If you accept from the applied-for band card, the original applied-for amount is used as the starting value.
For example, if an applicant asked for £5,500 at 9.9% APR in Band C but the best outcome is an accept in Band B at a maximum of £5,000 and the product settings dictate an APR of 12.1% for a £5000 loan, clicking the Band B card and accepting will pre-fill the confirmation with £5,000 and 12.1% APR. This saves you having to update the loan details manually for clear cut counter offers.
Declining from a card
You can also decline the application from any card. The decline will be recorded against the application as normal.
Summary outcomes
The summary box and card highlighting will reflect one of 10 possible situations depending on the results across all bands. These are listed below.
In the examples below, "configured floor" refers to the minimum counter-offer threshold described earlier.
Permutation 1: Applied = Accept
Title | No issues found |
Panel colour | Green |
What this means | The applied-for amount is an Accept. No rules were triggered. This is the best possible outcome. No counter-offer is needed. |
Example | Sarah Mitchell applied for £7,000 over 36 months (Band C). No Decline or Refer rules triggered. |
Permutation 2: Applied = Refer, clean band within floor
Title | Suggested counter-offer: {counter} |
Panel colour | Green |
What this means | The applied-for band is a Refer, but a lower band within the configured floor produces a clean Accept with no rules triggered. The counter-offer card is highlighted in green. |
Example | James Foster applied for £7,000 over 36 months (Band C), triggering 2 Refer rules. At £3,000 (Band A), all Decline and Refer rules clear. |
Permutation 3: Applied = Refer, no clean band but better band within floor
Title | Lowest-risk option: {counter} ({sweetBand}) |
Panel colour | Amber |
What this means | No band within the configured floor produces a clean Accept, but a lower band has fewer Refer rules than the applied-for band. The card with the fewest issues is highlighted. |
Example | James Foster applied for £7,000 over 36 months (Band C), triggering 3 Refer rules. No band fully clears all Refer rules. Band A (up to £3,000) has the lowest risk with 1 Refer remaining. |
Permutation 4: Applied = Refer, applied band is already lowest risk
Title | Applied amount is already lowest risk |
Panel colour | Amber |
What this means | The applied-for band already has the fewest Refer rules of any band. No counter-offer would improve the outcome. The recommendation is to consider accepting the application at the amount applied for. |
Example | Campbell Cameron applied for £100 over 12 months (Band A), which is already the lowest-risk band with 1 Refer rule. No band fully clears all Refer rules. |
Permutation 5: Applied = Refer, better band exists but below floor
Title | No counter-offer within floor |
Panel colour | Amber |
What this means | A band with no Refer rules exists, but its maximum loan amount is below the configured floor so it cannot be suggested as a counter-offer. The applied-for band remains the lowest-risk option within the floor. |
Example | Snoopy Suzuki applied for £7,770 over 24 months (Band C), triggering 2 Refer rules. A clean band exists (Band A, up to £2,499) but falls below the 80% counter-offer floor (£6,216). Band C is the lowest-risk option within the floor. |
Permutation 6: Applied = Decline, clean band within floor
Title | Suggested counter-offer: {counter} |
Panel colour | Green |
What this means | The applied-for band is a Decline, but a lower band within the configured floor produces a clean Accept. The counter-offer card is highlighted in green. |
Example | Sarah Mitchell applied for £12,000 over 36 months (Band D), triggering 1 Decline rule. At £5,000 (Band B), all Decline and Refer rules clear. |
Permutation 7: Applied = Decline, refer-only band within floor
Title | Lowest-risk option: {counter} ({sweetBand}) |
Panel colour | Amber |
What this means | No band within the configured floor is a clean Accept, but at least one band within the floor removes all Decline rules, leaving only Refer rules. The best of these is highlighted as the lowest-risk option. |
Example | James Foster applied for £12,000 over 36 months (Band D), triggering 2 Decline rules. No band within the 80% floor (£9,600+) fully clears all rules. Band B (up to £5,000) avoids all Declines with 1 Refer remaining. |
Permutation 8: Applied = Decline, only clean band is below floor
Title | Suggested counter-offer: {counter} (below {floorPct}% floor) |
Panel colour | Amber |
What this means | All bands within the configured floor still trigger at least one Decline rule. A band below the floor would clear the Decline rules, and it is shown for your awareness, but it cannot be formally recommended as a counter-offer. |
Example | Sarah Mitchell applied for £12,000 over 36 months (Band D), triggering 1 Decline rule. All bands within the 80% floor (£9,600+) also trigger Decline rules. Band B (up to £5,000) is below the floor but avoids all Decline rules. |
Permutation 9: Applied = Decline, all bands decline, sweet spot is not the applied band
Title | No viable amount band |
Panel colour | Red |
What this means | Every band triggers at least one Decline rule. No counter-offer is possible. The system recommends declining the application. The card with the fewest overall issues is noted in the footnote. |
Example | Sarah Mitchell applied for £7,000 over 36 months (Band C). Every band triggers at least one Decline rule. No counter-offer can be made. |
Permutation 10: Applied = Decline, all bands decline, applied band is the sweet spot
Title | No viable amount band |
Panel colour | Red |
What this means | Every band triggers at least one Decline rule, and the applied-for band is already the one with the fewest issues. No counter-offer is possible. The system recommends declining the application. |
Example | Everall Dumbrell applied for £600 over 10 months (Band A). Band A has the fewest issues of all bands (2 Declines, 1 Refer) but every band triggers at least one Decline rule. No counter-offer can be made. |