Lending and payments,built to the rules.

Software for lenders and payment companies, from loan applications and approvals to repayments and money movement.

In this industry, the rules set the deadlines. We build every notice, limit and check around them, working closely with your legal team.

Every application, from first form to final notice.

We start with the step that slows applications most, make it reliable and easy to audit, then move on to the next.

1
Application
Applicants cannot save a form and come back to it later.
2
Decision
Rules live in people’s heads, so similar cases get different answers.
3
Verification
Documents are chased by email and uploaded more than once.
4
Payout
Funds go out before a file is complete, or wait on a reminder.
5
Servicing
Repayments, late payments and notices are tracked in a spreadsheet.

Loan applications
Applications that are easy to complete, quick to verify and ready for a decision, without asking for the same document twice.
What changes
More applications completed.
Approvals
Approval rules your team can read and update, with a history showing exactly which policy decided each case.
What changes
Every decision can be explained, even years later.
Repayments
Schedules, fees, early payoffs and everything in between, with records that balance to the cent.
What changes
One balance, the same on every screen.
Money movement
Payment runs, returns and retries, with clear screens for your operations team when something needs attention.
What changes
Returned payments kept well within the limits.

We check returned payments against the limits every day, and start every deadline the moment an application is complete.

Compliance / Returned paymentsLast 60 daysExport

Returned payments against allowed limits

Checked every night at 2:00 AM. Last run today, 2:04 AM.

Under every limit

Unauthorized payments
Customer says they did not approve it
0.19%
↑ 0.04 points in 30 days
Account problems
Closed, missing or invalid accounts
0.8%
↓ 0.4 points in 30 days
All returned payments
Every reason combined
4.7%
↑ 0.6 points in 30 days

Upcoming deadlines

Decision letter, application A-2291

Day 12 of 30

18 days left to send

Corrected payment, ready to resend

Day 19 of 60

41 days left to resend

Sample data. The limits and deadlines are real, set by US banking and lending rules.

0.5%
Limit for payments customers say they did not approve
3.0%
Limit for payments returned because of account problems
15.0%
Limit for all returned payments combined
60 days
To correct and resend a payment that did not match what the customer agreed to
30 days
To tell an applicant the decision on a completed application

0.5%
Limit for payments customers say they did not approve
3.0%
Limit for payments returned because of account problems
15.0%
Limit for all returned payments combined
60 days
To correct and resend a payment that did not match what the customer agreed to
30 days
To tell an applicant the decision on a completed application

Your counsel sets the rules
We build to the requirements your legal and compliance team approves, and flag anything that is unclear.
Your licenses stay with you
You hold the licenses and banking relationships. We build the software that runs on top of them.
Trade-offs, raised early
If a rule makes a feature costly or complex, we tell you in the first conversation.