Loan Origination & Decisioning Platform
A full origination stack: borrower application, document collection with OCR verification, bureau and bank-data pulls, a rules-plus-model decision engine your credit team can configure, and the adverse-action documentation regulators expect.
Scope of the build
Fixed scope, fixed timeline, 100% U.S.-based senior engineers on Eastern-time hours.
- Borrower application with save-and-resume
- Document upload with OCR verification
- Bureau, bank data, and fraud checks
- Configurable rules + scorecard decision engine
- Underwriter queue with override capture
- Adverse action letters and audit trail
What you get
Decisions in minutes
Straight-through approval for clean files.
Credit policy without deploys
Analysts change rules; engineering stays out of it.
Exam-ready
Every decision reproducible with inputs and versions.
Where this fits
- → Commercial lending
- → Equipment finance
- → Consumer installment
- → Merchant cash advance
From signature to production
The same delivery rhythm on every engagement. You always know what shipped last week and what ships next.
- Week 0
Scope lock
Two working sessions with your team. We write the spec, the acceptance criteria, and the integration list, then fix the price against it.
- Weeks 1-2
Spine first
Data model, auth, environments, CI, and the riskiest integration go in before any screen is polished. You see it running in staging.
- Mid-build
Weekly demo
Working software every Friday, on your staging environment. Scope changes get priced in the same call, never discovered at the end.
- Go-live
Handover that holds
Runbooks, monitoring, test suite, and a recorded walkthrough for your engineers. You own the repo and the accounts from day one.
Before you book a call
Straight answers on price, timeline, ownership, and who writes the code. If your question is not here, ask it on the call — we answer it the same way.
Scope loan origination & decisioning platform →What does loan origination & decisioning platform cost?
From $95,000. The price is fixed against a written scope after a two-session discovery, so the number you approve is the number you pay. Typical delivery runs 12–16 weeks.
How long does it take to go live?
12–16 weeks from scope lock to production for the scope listed on this page. You see working software in your staging environment every week, starting in week two.
What does it integrate with?
Out of the box we wire Plaid, Experian, Middesk, DocuSign and Snowflake. Anything with an API or a file drop can be added during scope lock.
Who actually builds it?
Senior U.S.-based engineers on Eastern-time hours. No offshore handoff, no rotating junior bench. The people on your kickoff call are the people writing the code.
Do we own the code?
Yes. Your repo, your cloud accounts, your data — from the first commit. We hand over runbooks, tests, monitoring, and a recorded walkthrough so your team can take it forward without us.
Can this start smaller than the full scope?
Usually. We can carve a first slice that proves the hardest part of loan origination & decisioning platform in a few weeks, then sequence the rest once it is running in production.
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Buying for financial services? These usually ship together.
More Financial Services solutions
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