Our Top 3 Agentic Finance Workflows to Build First

How Instant Works

1. Upload a workflow diagram or describe the steps
2. Select from prebuilt AgentFlow agents (Document AI, Database AI, etc.)
3. Configure orchestration logic with drag-and-drop blocks
4. Add confidence thresholds, fallback escalation, and audit rules
5. Test with real or synthetic data and deploy to staging or prod

Each workflow can run as a standalone service or integrate via API with existing systems.

You can also read our detailed article on how to set up agentic workflows in minutes.

1. Loan Underwriting

Why Start Here

Loan underwriting is document-heavy, rules-based, and high stakes. It's an ideal candidate for automation, with clear thresholds, repeatable logic, and massive cycle-time reduction potential.

Agentic Workflow Overview

What You’ll Build in Instant

• Upload a sample package (PDFs, tax docs)
• Use Document AI to extract and structure data (e.g., income, DTI, collateral)
• Add a decision rule ("Reject if DTI > 43% and FICO < 640")
• Set confidence thresholds: Auto-approve at >95%, escalate <80%
• Output a JSON file and a formatted credit memo using Report AI

2. Account Opening & KYB

Why Start Here

This is a painful, compliance-sensitive workflow in nearly every retail and commercial banking operation. Delays stem from missing documents, unclear data, and manual risk review.

AgentFlow simplifies and automates every step.

Agentic Workflow Overview

What You’ll Build in Instant

• Build a frontend using Conversational AI to collect docs and handle missing info
• Use Document AI to classify and extract EINs, addresses, beneficial owners
• Add third-party API calls to screen against sanctions lists
• Define auto-decision rules and trigger fallback for edge cases
• Auto-generate a summary report + JSON export for internal systems

3. Spend Reconciliation

Why Start Here

Spend reconciliation is one of the highest-friction workflows in finance — often manual, fragmented, and error-prone. Matching across GL records, card transactions, and uploaded receipts is a complex, high-volume task.

AgentFlow brings structured orchestration to this mess, allowing finance teams to ingest, reconcile, flag, and summarize anomalies using AI agents.

Agentic Workflow Overview

What You’ll Build in Instant

• Upload mixed-format files (ERP exports, card statements, digital receipts in CSV, PDF, XLSX)
• Use Unstructured AI to ingest and normalize raw formats (PDFs, CSVs, spreadsheets)
• Use Document AI to extract structured line-item data from normalized files
• Configure Decision AI to run three-way matching across GL, card, and receipt data
• Use Decision AI to flag:
  
  • Unreconciled items
  • Out-of-policy spend (e.g., restricted vendors, over-limit amounts)
  • Anomalies in timing or amounts
• Use Database AI to pull contextual data or historical spend for reference
• Add Conversational AI to handle AP team queries on flagged transactions
• Use Report AI to generate summaries for controller sign-off or audit readiness

Start With Work That Matters

Start with the workflows that blend rules, risk, and repetition. That’s where agentic AI delivers the most value, fast. With Instant, you're not just prototyping, you’re deploying real AI workers into real production systems.

These three workflows are where to start.

Then grow from there.

More Workflows You Can Build with Instant

Once these are live, you can expand into other workflows:

• Loan Origination: Accelerate loan origination while improving consistency, accuracy, and compliance. Use agentic AI to streamline document intake, automate eligibility checks, and generate approval memos.
• Loan Servicing: Automate servicing workflows including borrower monitoring, drawdown handling, and trigger-based alerts. Support decisions and reporting in real time.
• Spend Intelligence: Move beyond spreadsheets to real-time spend analysis. Monitor transactions, detect outliers, and generate actionable insights and reporting with AI.

Why AgentFlow Beats the Alternatives

Generic RPA tools and “agent builders” focus on isolated tasks. Instant + AgentFlow was designed to ship governed, end-to-end financial workflows — not just chatbots or wrappers.

Ready to Build Your First Agentic Workflow with Instant?

Instant is built for finance teams who want to automate real work—not just prototype. With Instant 1.0, you can configure, test, and deploy production-grade workflows like underwriting or reconciliation in minutes.

And with Instant 2.0 on the way, you’ll have even more orchestration power at your fingertips.

Book a demo to see how Instant fits into AgentFlow and start building your first agentic workflow today.

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