Borrower matching, underwriting handoffs, and servicing—marketplace lending with investor protections and regulatory scaffolding.
Connect capital to creditworthy borrowers—with transparency on risk and cash flows
We implement loan applications, credit decision APIs, and fractional investor participation where legally viable. Servicing covers amortization, ACH, and delinquency workflows; reporting gives investors portfolio performance—not vanity yields. Jurisdiction and licensing strategy drives scope—we build workflows counsel approves, not generic “P2P” demos.
01 // THE MANDATE
Borrower matching, underwriting handoffs, and servicing—marketplace lending with investor protections and regulatory scaffolding.
We implement loan applications, credit decision APIs, and fractional investor participation where legally viable. Servicing covers amortization, ACH, and delinquency workflows; reporting gives investors portfolio performance—not vanity yields.
Jurisdiction and licensing strategy drives scope—we build workflows counsel approves, not generic “P2P” demos.
02 // ENGINEERING
Development process
Structured phases—from discovery to launch—with clear ownership and handoff points.
Legal strategy (weeks 1–8)
MVP (weeks 8–20)
Scale (weeks 16–28)
Operate (ongoing)
03 // CAPABILITIES
Core Capability Matrix
The building blocks of your solution
Borrowers
application, identity, bank link, offers.
Investors
wallets, auto-invest rules, accreditation checks.
Underwriting
partner APIs; manual review queues.
Loans
schedules, servicing, prepayment rules.
Payments
ACH; allocations; investor statements.
Collections
dunning, hardship programs, recoveries.
Compliance
Reg disclosures; state availability matrix.
Admin
exceptions, fraud review, portfolio monitoring.
Analytics
loss rates, vintage curves, cohort returns.
API
institutional feeders optional.
04 // DELIVERY LIFECYCLE
The strategic roadmap
Milestones and checkpoints—each phase has a clear outcome before the next begins.
Weeks 1–8: Legal sign-off, pilot scope.
Weeks 9–16: Alpha borrowers; sandbox money flows.
Weeks 15–24: Live money small scale; monitoring.
Weeks 23–28: Broader investor base; marketing.
Ongoing: New products; securitization hooks.
05 // PRODUCT SCOPING
Choosing your path
Two engagement models—start lean and iterate, or commit to a full platform build from day one.
MVP
Speed & essentialism
Full product
Enterprise maturity
06 // PARTNERSHIP
Why work together
A single accountable partner across strategy, build, and go-live—not a revolving door of vendors.
End-to-end ownership: discovery, architecture, implementation, and launch—with clear communication and production-grade engineering.
- Discovery & alignment
- Systems that scale
- Implementation depth
- Clear comms
07 // CLARITY
Frequently asked
We implement counsel-approved flows; software does not grant licenses.
08 // MORE SOLUTIONS
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