AI-Powered Lending Platform
Built a complete LOS/LMS with AI underwriting for a Series A fintech startup in New York.
The Challenge
A New York-based fintech startup needed a complete Loan Origination System (LOS) and Loan Management System (LMS) that could process applications, run AI-powered credit decisions, and manage the full loan lifecycle — all within 6 weeks to meet investor demo deadlines.
Tech Stack
Our Solution
We architected a modular platform with separate services for application intake, credit scoring, document verification, and loan servicing. The AI underwriting engine uses a combination of traditional credit scoring models and OpenAI-powered document analysis to automate 70% of underwriting decisions. The mobile app was built with React Native for cross-platform deployment.
Key Deliverables
- ✓ Mobile app (iOS & Android) for borrowers
- ✓ Web dashboard for loan officers & admins
- ✓ AI underwriting engine with credit scoring
- ✓ Document upload & automated verification
- ✓ Payment processing & loan servicing
- ✓ Real-time analytics dashboard
Results
The MVP launched in 6 weeks, onboarded 10,000+ users in the first 4 months, and helped the client raise $500K in pre-seed funding. The AI engine reduced manual underwriting decisions by 40%, cutting average decision time from 48 hours to under 30 minutes.
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