> For the complete documentation index, see [llms.txt](https://docs.uptiq.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.uptiq.ai/retail-lending/sample-products.md).
# Sample Products
See the sample products that show how a complete configuration fits together.
Sample products are examples that show how configuration fits together. They are added when Retail LOS is set up, and adding them never overwrites an existing product.
> **Use sample products as configuration references, not as lending policy.** Set your own rates, thresholds, workflows and disclosures before you activate a product.
{% hint style="warning" %}
Confirm lending policy, approval criteria, documents and regulatory disclosures with your credit and compliance teams before you use a sample product with applicants.
{% endhint %}
### Sample products
| Product | Type | Category | How it is decided |
| ------------------------------------------------------------- | --------- | ---------- | ----------------------------------- |
| Unsecured Personal Loan | Term loan | Individual | Decision matrix |
| Business Unsecured Term Loan | Term loan | Business | Decision matrix and bank statements |
| Small Business Express Loan | Term loan | Business | Scorecard |
| Auto Loan | Term loan | Individual | Scorecard |
| Simple Checking and Simple Savings | Deposit | Individual | None |
| Business Checking, Business Savings and Business Money Market | Deposit | Business | None |
Some products are available but turned on separately:
{% tabs %}
{% tab title="Credit products" %}
* **Credit Card** (individual) and **Business Credit Card** use a variable rate over Prime, risk tiers and a card catalog.
* **Personal Line of Credit** uses line of credit settings.
{% endtab %}
{% tab title="Equipment finance" %}
* **Equipment Finance** supports aircraft, titled and non-titled equipment.
* It is loaded by script, has no workflow, and depends on a system setting that is off by default.
{% endtab %}
{% endtabs %}
### Use the Unsecured Personal Loan as a model
This product shows how a complete configuration looks.
| Tab | What is set |
| -------------------------- | ---------------------------------------------------------------------------------- |
| **General Information** | An individual term loan with a fixed rate and monthly payments |
| **Application Flow** | One step, "Loan Application", with a Loan Purpose section and Terms and Conditions |
| **Document Config** | Application Form and Driver's License, both optional, due before Underwriting |
| **Disclosures & Terms** | A loan agreement and one required consent to pull credit |
| **Credit Decision Matrix** | A starter policy |
| **Workflow** | Seven steps |
| **Tab Settings** | The tabs shown at Intake, Underwriting and Closing |
The starter policy has three rules, checked in order: a knockout that declines, an auto-approval rule that approves into the best risk tier, and a catch-all that sends everyone else to manual review. Each risk tier has its own pricing ladder.
### Four loans to start from
| | Unsecured Personal Loan | Auto Loan | Business Unsecured Term Loan | Small Business Express |
| ------------------- | ---------------------------------- | ---------------------------------------- | ------------------------------------ | ------------------------------------------------------------------------ |
| Use as a start for | Any individual unsecured loan | Secured individual loans with collateral | Business loans using bank statements | Business loans decided by points |
| Identity check | KYC | KYC | KYB | KYB |
| Special form fields | Purpose, amount, term, co-borrower | Adds vehicle details and lienholder | Purpose, amount, term, co-borrowers | Purpose, amount, term, one co-borrower |
| Decision | Individual starter matrix | Scorecard on credit score and vehicle | Business starter matrix | Scorecard on business score and years in business |
| Required documents | None required | None required | Bank statements | Driver's license, bank statements, business tax return, business license |
| Configure from a sample | Page |
|---|
| Review and configure product settings. | Broken link |
| Set approval rules, pricing and authority tiers. | Broken link |
| Configure points-based decisioning and risk tiers. | Broken link |
***
{% columns %}
{% column width="83.33333333333334%" %}
Maintained by Abhishek Paul
AI-assisted, human-approved
{% endcolumn %}
{% column width="16.666666666666664%" %}
{% endcolumn %}
{% endcolumns %}
---
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