LIVE INTERACTIVE DEMO

Pre-qualified loan leads in 90 seconds. 4× conversion.

Banks lose 70% of loan applicants in the first 24 hours of waiting. Mukh.1 pre-qualifies in chat (income, tenure, DBR), filters out unqualifieds, and books a callback while the applicant's still hot.

4×
Higher conversion (qualified vs cold)
90s
Pre-qualification time
24/7
Application capture
See the journey
SCROLL

Loan teams burn hours on leads that won't qualify.

"Apply now!" → form filled → 24-hour wait → loan officer calls → "sorry, you don't qualify." Both sides waste time.

Without Mukh.1

Slow, unqualified, expensive

  • Web form filled, applicant waits 24 hrs+
  • Loan officer calls, asks 12 questions
  • 60% don't qualify (income, tenure, DBR)
  • Officer time wasted, applicant frustrated
  • Hot applicants go to a competitor
  • Manual data entry into core banking
→
With Mukh.1

Instant, qualified, automated

  • 90-second pre-qualification in WhatsApp
  • AI checks DBR (debt burden ratio) automatically
  • Only qualified leads reach loan officers
  • 4× higher close rate (qualified vs cold)
  • Callback booked while applicant is engaged
  • Auto-syncs to core banking + CRM

How it works — every stage interactive.

Scroll to see exactly what happens, end-to-end.

01
INTEREST CAPTURED

Applicant clicks an ad → lands in WhatsApp

"Get a personal loan up to AED 100K" ad → WhatsApp open → bot starts pre-qual immediately. No form, no portal.

  • One-tap from Meta/Google ads to WhatsApp
  • Bot replies in 30 seconds
  • No "fill form, wait email" friction
Meta · Google · IG1-tap from ad
app.mukh.one/loans
Loan inquiries today · 247 (live)
SK
Sara Khan
AED 80K · 36mo · Eligible
🟢 90
Income: 12KTenure: 2yrDBR: 28%Booked callback
AR
Ahmed R.
AED 50K · 24mo · Eligible
🟢 78
Income: 8KTenure: 5yrNo active loans
MA
Maryam A.
AED 150K · DBR too high
🔴 32
Income: 6KExisting loans: 2Suggest consolidation
HK
Hassan K.
Income below min
⚪ 0
Income: 3KRefer to alt optionNo officer time wasted
02
QUALIFY IN CHAT

Try it — 6 questions, 90 seconds

Bot calculates eligibility live (income × tenure × DBR). Tap through to see qualified, declined, and edge cases.

  • Calculates DBR in real time
  • Compliant disclosures inline
  • Multilingual (English, Arabic, Urdu)
<90sWhatsApp · Web · IG

ENBD Personal Loan

Pre-qualify in 90s

03
INDICATIVE OFFER

Real eligibility shown — locked for 7 days

Once pre-qualified, applicant sees a real indicative offer (amount + monthly + rate). Lock for 7 days while they think.

  • Real number, not "up to"
  • Reserves capacity for 7 days
  • Auto-reminders before offer expires
Real numbersBank policy + risk engine
app.mukh.one/loan-offer
Generic web form ✕
Mukh.1 ✓
LOCKED OFFER, BOOKED CALL
✅ Pre-qualified for AED 90,000 @ 7.5% 💵 AED 2,750/month for 36 months 📅 Maryam will call in 30 min · today. ⏱ Offer locked for 7 days. 📋 LEAD-44291
Why this works
Real number, real timeline, real callback. Applicant feels valued, not put in a queue. The 30-minute callback creates urgency (and the officer's ready when they call).
04
OFFICER PREP

Officer walks in fully briefed

30 min before the call, officer gets a Slack DM: applicant info, qualifying answers, suggested products, red flags.

  • Pulls credit history (Al Etihad if applicable)
  • Suggests cross-sell (insurance, credit card)
  • Flags risk indicators
30 min before callSlack · CRM · Core banking
#loan-officers · Maryam
M
Mukh AI30 min before call
Pre-call brief — Sara Khan · today 3 PM
Applicant snapshot
Loan
AED 80K · 36 months
Income
AED 12K verified
Employer
Mukh.1 · 2 years tenure
DBR
28% (well below 50% limit)
Existing
No active loans
Recommended pitch
Approval likelihood
High (no red flags)
Cross-sell opp
Add CPI insurance (AED 12/mo)
Upsell opp
Could qualify for AED 100K @ same rate
05
ANALYTICS

See where leads drop, fix funnel

How many qualify? What's the close rate? Which question loses the most? All visible. Optimize the funnel monthly.

  • Funnel drop-off analysis
  • Decline reason patterns
  • Officer performance comparisons
Real-time analyticsSlack daily digest
app.mukh.one/loan-funnel
Personal loan funnel · April

2,847 inquiries · 1,247 qualified · 487 closed

4× vs cold
Qualified rate
44%
Close rate (qualified)
39%
Avg time to close
3 days
Volume disbursed
AED 28.4M
Insights
🟢 Qualified-lead close rate: 39% (vs 9% for cold leads)
🔴 67% drop on "tenure < 6 months" — explore startup-friendly product?
🟡 Top decline reason: DBR too high (32%) — promote consolidation
✅ AED 28.4M disbursed this month, 0 SDR hours (vs 12 SDRs last year)

Qualified leads, not cold lists.

Numbers from Mukh.1 banking customers (UAE, KSA, Egypt).

4×
Close rate (qualified vs cold)
Officer time spent on real prospects
90s
Pre-qual time
vs 24-hour callback
24/7
Lead capture
Most apply 9 PM – 11 PM
0
SDR hours per qualified lead
Pure automation

Plugs into your banking stack

WhatsApp BusinessMeta AdsGoogle AdsCore bankingAl Etihad CreditSalesforceSlackTeams

Stop wasting officer time on cold leads.

Bring your loan products + risk policy. We'll spin up a working loan qualifier for free.

Book a real demoSee more demos