Complete Applications. Faster Funding.

Your AI-powered assistant engages leads instantly and collects missing documents via WhatsApp and phone calls. Turn incomplete applications into funded deals while your team focuses on approvals.

5x

Faster Response

40%

Less Drop-Off

2x

Complete Apps

Armadillo AI

Hi Maria! Thanks for applying for your auto loan with ABC Lending. I'm here to help you complete your application. I see we just need your last two pay stubs - can you send them as photos here?

Applicant

Oh wow, that was fast! Sure, give me a sec... here they are 📄📄

Built for Lenders

Every feature designed to help you fund more deals, faster.

Instant Lead Engagement

Automatically reach out to new leads from ads, social media, and online forms within seconds. No lead goes cold.

Document Collection

Request and collect missing pay stubs, IDs, bank statements, and more via WhatsApp or phone calls.

Smart Follow-Ups

Intelligent reminders that nudge at the right time without annoying applicants. Persistent but friendly.

Multi-Channel Outreach

Meet applicants where they are—WhatsApp, SMS, or phone calls. Your customers' preferred channel.

Verification & Validation

AI verifies documents are legible, complete, and valid before flagging for human review.

Seamless Integration

Works with your existing LOS, CRM, and lead capture systems. No workflow disruption.

Ready to see it in action?

Schedule a personalized demo and see how Armadillo can reduce your funding times and applicant drop-off.

See how we handle:

"Missing income docs"
"Blurry ID photos"
"Bank statement requests"
"Application follow-ups"
The Reality

Leads Go Cold. Applications Stay Incomplete.

Your applicants want to get funded. But the document chase and slow follow-ups are killing your conversion rate.

Slow Response Time

Leads from ads and social media wait hours—sometimes days—for contact. By then, they've moved on to a competitor who responded first.

The Document Chase

Your team spends hours calling and emailing applicants for missing pay stubs, IDs, and bank statements. It's tedious and inconsistent.

Applicant Drop-Off

40% of applicants abandon when asked for additional documents. The friction is too high, and they give up.

Lost Momentum

A hot lead is ready to fund today. But while waiting for paperwork and follow-ups, their urgency fades and the deal falls through.

Your AI Assistant Engages Instantly & Completes the Chase

Immediate outreach to new leads, automated document collection, and persistent friendly follow-ups until every application is complete and ready for review.

How It Works

From lead capture to complete application in three intelligent steps

1

Step 1

New Lead

(555) 123-4567

Active

Applicant

"I just submitted my info on your website for a car loan."

Armadillo AI

"Hi! Thanks for your interest. I'm here to help you complete your application quickly. Let's get you funded!"

Lead Captured

A new lead comes in from ads, social media, or your online form. Or an incomplete application arrives from your existing system.

2

Step 2

AI Processing
Analyzing

Status: Incomplete Application

Missing: Income Verification, ID

Document Request

Requesting pay stubs and photo ID

WhatsApp Message

Friendly, personalized outreach sent

Instant Outreach

Armadillo immediately contacts the lead via WhatsApp or phone. Collects missing information and requests required documents conversationally.

3

Step 3

Application Status
Complete
All Documents Received
Identity Verified
LOS Updated

Time to complete: 2m 34s

Assigned to: Sarah Miller (Sales)

Application Complete

Documents collected, verified, and organized. Complete application delivered to your team, ready for decisioning.

Real Scenarios

See It in Action

Real conversations showing how Armadillo handles document collection and lead engagement across different lending scenarios

Proactive Document Request

Thursday, 9:14 PM

Auto Loan
Hi Carlos! Thanks for applying for your auto loan. I'm here to help you get funded fast. I see we just need your last two pay stubs to verify income - can you snap a photo and send them here?
Oh hey! That was quick. Yeah let me grab those... here they are 📄📄
Got them! I can see your name, employer, and income clearly. These look good. Your income verification is now complete.
Great, what's next?

Outcome: Instant outreach • Documents collected • Application completed in minutes

Blurry ID Photo

Tuesday, 12:30 PM

Personal Loan
I already sent my ID, why is my application still pending?
Thanks for checking in! The ID photo you sent was a bit blurry and our system couldn't read the details clearly. Could you send a clearer photo with good lighting?
Oh okay, here's a better one 📷
Perfect! This one is clear. I can see all your details now. Your identity is verified and I've updated your application. All set!

Outcome: ID re-captured • Verification complete • Applicant satisfied

Bank Statement Request

Sunday, 2:45 PM

Auto Loan
What bank statements do you need exactly?
Great question! We need your last 2 months of bank statements showing your checking account. You can download them from your bank's app or website and send them here.
Can I just screenshot my app?
Screenshots work as long as they show your name, account number (last 4 digits is fine), and transaction history for the last 60 days. Send them over when ready!

Outcome: Requirements clarified • Statements collected • Application progressed

Proof of Insurance Follow-Up

Wednesday, 6:20 PM

Auto Loan
I haven't gotten insurance yet, do I need it before approval?
Good news—you don't need insurance for approval! But you will need it before we can fund and release the vehicle. Would you like me to send you some insurance partner options?
Yes please, that would help.
I've sent you a list of insurance partners who can give you a quick quote. Once you have coverage, just send the declaration page here and we'll finalize everything.

Outcome: Guidance provided • Insurance partners shared • Clear next steps

Contact

Get in touch

Ready to reduce drop-off and fund deals faster? Let's talk about how Armadillo can help your lending operation.

FAQ

Frequently asked questions

Everything you need to know about Armadillo.