Energy finance

Staged payouts and subsidy evidence. Completed by the applicant.

One question at a time. Your team only acts when judgement is needed, and every action is on a timeline. At Energiefonds Drenthe, about 3–4 hours per application came down to about 18 minutes. Also used by Energiefonds Utrecht and FSFE.

This application, as it happened. All actions recorded.

3-9-2026
Application started
  • Loan type: EnergyLoan
  • Type: Annuities
  • Origination: Partner123 (One Call API)
3-9-2026
Application submitted
  • Initial Interestrate: 5.2%
    Base provider: 3.2% EURIBOR 72M IRS on 3-9-2026, 20:22
    + 2% margin
  • Requested duration: 72M
  • Requested amount: € 22.000,-
3-9-2026
Initial KYC check
  • No potential PEP found (checked 4 persons)
  • No potential Personal sanctions found (checked 4 persons)
  • No No potential Company sanctions found (checked 2 entities)
  • 1 Match for a potential higher risk company activity (checked 5 activities)
  • Initial KYC risk: low
3-9-2026
Automatic creditrating
Checked with uploaded financials: B+
Requested amount unchanged
4-9-2026
Case picked up by Adrian
4-9-2026
Documents approved
  • Approved Proposal - Total Amount: € 27.750,-
    Description: "purchache and installation of battery system"
  • Approved Subsidy Statement - Total Amount: € 150.000,-
4-9-2026
Digital signers checked
4-9-2026
1 Security added
  • Type: First Lien
  • Discription: Battery system
4-9-2026
KYC manual review by Adrian
  • Score is confirmed to LOW
  • Reason: "Checked in with applicant. Very unlickly. Product offering is only a small part of activity discription"
  • Re-check will automatical happen on: 4-9-2031, 08:36 (5 years, low policy)
4-9-2026
Submitted for 4 eyes check by Adrian
  • Approved by Alice on: 4-9-2026, 09:54
4-9-2026
Loan structured
  • Approved amount: € 22.000,-
4-9-2026
Documentation generated
  • Contract
  • SEPA form
  • UBO statement
  • Subsidy statement
  • No Financial difficulties
  • Ammotization Table
4-9-2026
Documentation send out for signatures
  • Strategy used: ID validation or Idin + Scribble
  • Signers:
  • Rudolf signed on: 4-9-2026, 10:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: passport from NLD that expires on 2026-06-24
  • Sandra signed on: 4-9-2026, 15:18
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Hendrick signed on: 5-9-2026, 09:12
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Anton signed on: 5-9-2026, 17:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Transaction completed on: 5-9-2026, 17:56
5-9-2026
Purchache Order created
5-9-2026
Payment Order created
5-9-2026
Financial Transactions synced to Core system
5-9-2026
Audit proof generated
  • All steps completed, nothing unexpected
5-9-2026
14 Documents archived in DMS
  • De minimis declaration (2)
  • Invoice installation (2)
  • Contract (2)
  • Evidence document
  • Unsigned contract
  • Signed contract
  • Quotation (3)
  • Declaration of no financial difficulties (2)
  • SEPA mandate (2)
  • Signed Sepa mandate
  • Unsigned Sepa mandate
  • Attachment (1)
  • Repayment overview (1)

This application, as it happened. All actions recorded.

Staged Payouts

The applicant requests an advance or payout and uploads the evidence.

A link after signing. They upload the evidence your rules require, and your team checks when judgement is needed. Four-eyes happens before booking, then amortization is updated when a payout is approved.

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State Aid & Subsidy Compliance

De minimis and subsidy checks as pass or fail steps.

Eligibility and remaining allowance are pass or fail, and the proofs sit in the flow. Justification records the calculation, the decision, and the evidence.

Read more →
3-9-2026
Application started
  • Loan type: EnergyLoan
  • Type: Annuities
  • Origination: Partner123 (One Call API)
3-9-2026
Application submitted
  • Initial Interestrate: 5.2%
    Base provider: 3.2% EURIBOR 72M IRS on 3-9-2026, 20:22
    + 2% margin
  • Requested duration: 72M
  • Requested amount: € 22.000,-
3-9-2026
Initial KYC check
  • No potential PEP found (checked 4 persons)
  • No potential Personal sanctions found (checked 4 persons)
  • No No potential Company sanctions found (checked 2 entities)
  • 1 Match for a potential higher risk company activity (checked 5 activities)
  • Initial KYC risk: low
3-9-2026
Automatic creditrating
Checked with uploaded financials: B+
Requested amount unchanged
4-9-2026
Case picked up by Adrian
4-9-2026
Documents approved
  • Approved Proposal - Total Amount: € 27.750,-
    Description: "purchache and installation of battery system"
  • Approved Subsidy Statement - Total Amount: € 150.000,-
4-9-2026
Digital signers checked
4-9-2026
1 Security added
  • Type: First Lien
  • Discription: Battery system
4-9-2026
KYC manual review by Adrian
  • Score is confirmed to LOW
  • Reason: "Checked in with applicant. Very unlickly. Product offering is only a small part of activity discription"
  • Re-check will automatical happen on: 4-9-2031, 08:36 (5 years, low policy)
4-9-2026
Submitted for 4 eyes check by Adrian
  • Approved by Alice on: 4-9-2026, 09:54
4-9-2026
Loan structured
  • Approved amount: € 22.000,-
4-9-2026
Documentation generated
  • Contract
  • SEPA form
  • UBO statement
  • Subsidy statement
  • No Financial difficulties
  • Ammotization Table
4-9-2026
Documentation send out for signatures
  • Strategy used: ID validation or Idin + Scribble
  • Signers:
  • Rudolf signed on: 4-9-2026, 10:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: passport from NLD that expires on 2026-06-24
  • Sandra signed on: 4-9-2026, 15:18
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Hendrick signed on: 5-9-2026, 09:12
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Anton signed on: 5-9-2026, 17:56
    • Name matched with national register
    • Birthday matched with national register
    • Used: national_identity_card from NLD that expires on 2027-01-26
  • Transaction completed on: 5-9-2026, 17:56
5-9-2026
Purchache Order created
5-9-2026
Payment Order created
5-9-2026
Financial Transactions synced to Core system
5-9-2026
Audit proof generated
  • All steps completed, nothing unexpected
5-9-2026
14 Documents archived in DMS
  • De minimis declaration (2)
  • Invoice installation (2)
  • Contract (2)
  • Evidence document
  • Unsigned contract
  • Signed contract
  • Quotation (3)
  • Declaration of no financial difficulties (2)
  • SEPA mandate (2)
  • Signed Sepa mandate
  • Unsigned Sepa mandate
  • Attachment (1)
  • Repayment overview (1)

Document & Evidence Lifecycle

Required documents in the flow. Completeness is checked, and retention follows the programme.

The applicant uploads what the programme needs. Completeness is checked, and retention follows the programme.

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Approved documents

    Correspondence

      Declined documents

        What your team sees on every application

        Pass or fail on every step, so your team only acts when judgement is needed. Every action sits on a timeline.

        Pass or fail steps

        Each step is pass or fail, so your team only acts when judgement is needed.

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        Applicant documents validation

        Handlers check each uploaded document: type, valid or not, and required fields.

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        Financial extraction

        The applicant uploads the yearly figures. We extract the balance sheet and the P&L.

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        Request extra documents

        Ask the applicant for a replacement, with the reason and deadline included.

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        Credit Committee

        Committee sees a prepared case, then approves or sends it back.

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        Reporting

        Reports across programmes.

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        Read case study

        Start with one energy programme.

        30 minutes on who completes the application today, and whether this can sit in front of your existing systems.

        Book 30 minutes