96%of more than 37,000 credit applications, evaluated with no manual intervention.
We built the technology behind Toperty's operation, from first contact to managed property: a credit engine, an in-house CRM, WhatsApp and voice agents, market data and contracts.
- Client
- Toperty
- Industry
- Financial services and housing
- Country
- Colombia
- Services
- Processes and decisions · AI agents · Custom software · Documents and filings
- Scope
- All the technology behind the operation, from first contact to managed property
Families
100+
families financed
Capital
USD 10M
deployed
CRM
8,300+
leads across 11 programs
Funnel
60%
of funnel movements are made by automations
Fig. 01 — Rent-to-own
01The client
Home financing through rent-to-own.
Toperty is a Colombian home financing company. Families live in the home they are buying while they save for the down payment. We built all the technology behind its operation, from first contact to managed property.
02The challenge
A full credit operation, run by a team of 11.
Every family goes through prospecting, application, credit review and contract, and every home needs a valuation. Doing all of that by hand doesn't scale with a team that size.
Toperty team
11
people for the whole operation
03What we built
How the process connects.
From first contact to managed property, every piece of the process has a system working on it.
Tap each piece to see what we built there.
8,300+ · Lead
Lead
An in-house CRM holds the leads from 11 programs. Automations make most of the moves in the funnel.
60% of funnel movements, automated
AutomaticTap each piece to see what we built there.
An in-house CRM holds the leads from 11 programs. Automations make most of the moves in the funnel.
60% of funnel movements, automated
AutomaticA credit engine evaluates every application against Toperty's policy, written as rules that can be audited.
96% with no manual intervention
AutomaticAI reads the applicant's documents and the system applies the policy as rules. Anything the rules can't settle goes to a person.
96% with no manual intervention
A person approvesContracts with about 200 variables, generated in seconds.
Seconds per contract
AutomaticPartner builders have their own dashboards inside the CRM.
Their own CRM dashboards
AutomaticWhatsApp and voice agents talk with leads and families, following rules defined with Toperty's legal team.
Rules defined with the legal team
With AIMarket data from close to 1 million listings in 40 cities, and a comparables-based valuation for every home.
≈ 1,000,000 listings
AutomaticFinanced families live in the home they are buying. The property is managed in the same system.
100+ families financed
Automatic
Fig. 02 — Toperty's process map
Five systems in production
- 01
Credit engine
Evaluates every application and runs the credit review: AI reads the documents and the policy is applied as rules.
96% with no manual intervention
- 02
In-house CRM
Leads from 11 programs, dashboards for partner builders, and automations that move the funnel.
8,300+ leads
- 03
WhatsApp and voice agents
They talk with leads and families, following rules defined with the legal team.
WhatsApp and voice
- 04
Market data
Close to 1 million listings in 40 cities, and a comparables-based valuation for every home.
40 cities
- 05
Contracts
Contracts with about 200 variables, generated in seconds.
≈ 200 variables
04How it works
One application, from first contact to managed property.
Rules handle what's predictable. AI reads the documents. A person reviews whatever doesn't fit.
- 01First contactThe lead lands in the CRM and the WhatsApp and voice agents take it from there.With AI
- 02ApplicationThe credit engine evaluates the application against the policy, written as rules.Automatic
- 03Credit reviewAI reads the documents and the rules decide. What doesn't fit is reviewed by a person.A person approves
- 04ValuationThe home is valued against comparables, using data from close to 1 million listings.Automatic
- 05ContractThe system generates the contract, with about 200 variables, in seconds.Automatic
- 06Managed propertyThe family lives in the home it is buying, and the property is managed in the same system.Automatic
05Results
More than 100 families financed, with a team of 11.
Applications
37,000+
credit applications evaluated
No intervention
96%
evaluated with no manual intervention
Market
≈ 1M
listings analyzed in 40 cities
Team
11
people across Toperty's whole operation
Before
Without the system, every application, valuation and contract would depend on someone on the team.
After
96% of applications are evaluated with no manual intervention, and every contract comes out in seconds.
06Time and team
All the technology behind the operation, for a team of 11.
07Technology
- Voice agents
- AI document reading
- Rules engine
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