Building a Sustainable Technological Foundation
for Caliber's Growth
Caliber is a U.S. lending company specializing in microloans and owned by the Otoe-Missouria Tribe of Indians.
- Microservices
Architecture
- Full
Automation
- Future-ready
Infrastructure
The Challenge
Focused on promoting economic development within its community, Caliber operates under the brands WithU Loans and American Web Loan. Facing the need to modernize its 20-year-old technological infrastructure, Caliber partnered with Luby as a strategic consultant and full development ally.
Together, we conducted a complete assessment and designed a precise migration plan to a multi-tenant microservices architecture, ensuring scalability, security, and long-term automation.
As Caliber's operations became increasingly complex, the company needed to rethink its legacy architecture to maintain agility and scalability. Luby stepped in with a highly specialized approach to assess the existing systems while simultaneously planning the migration to microservices.
The objective was clear: build a sustainable digital foundation capable of supporting continuous growth and innovation in the highly regulated U.S. credit market.
Our Approach
Luby implemented a phased modernization and migration strategy, aligned with Caliber's long-term business goals. Our approach combined deep technical expertise with strategic consulting — ensuring every decision balanced technology, risk, and future scalability.
Business & Technical Assessment
We conducted a full architecture and process evaluation, mapping key business needs and identifying mission-critical services. This phase delivered a modernization roadmap, prioritizing the most essential components for transformation.
Migration to Microservices
We initiated the migration of APIs and services into a multi-tenant microservices architecture, providing greater flexibility, scalability, and resilience.
Integration and Automation
We created an integrated environment for managing APIs and automating the underwriting process — ensuring Caliber could operate efficiently and seamlessly with its external partners.
Integrations & Expansion
Beyond upgrading its core infrastructure, Luby connected Caliber to public loan aggregators across the U.S., expanding its reach and automating loan capture.
Loan Aggregator Integration
Integration with a major U.S. loan aggregator, allowing Caliber to receive loan requests automatically.
Impact:
- Automated lead intake and loan management
- Reduced manual intervention
- Faster response time for borrowers
Loan Management Optimization
To improve loan administration, Luby integrated Caliber with LoanPro, a leading loan lifecycle management platform.
LoanPro Integration
LoanPro automates all stages of credit management — from payments to delinquency tracking. Luby leveraged its LoanPro expertise to create a replicable solution for other financial institutions, expanding its footprint in the lending technology market.
Results
Key outcomes of this strategic partnership — and how the platform keeps evolving.
Long-term Scalability
The new microservices architecture enabled Caliber to prepare for sustainable growth and rapid innovation.
Automation & Efficiency
Migrating to microservices and automating underwriting improved efficiency, reduced processing time, and eliminated bottlenecks.
Reduced Risks
Updating libraries and systems removed known vulnerabilities, significantly increasing security in financial operations.
Continuous Innovation
Beyond immediate improvements, Luby's solution prepared Caliber for the future — establishing a solid foundation for continuous innovation.
The scalable and secure architecture now allows Caliber to:
- Launch new products quickly
- Integrate new partners effortlessly
- Sustain long-term growth while maintaining compliance and performance
Luby continues to act as Caliber's strategic technology partner, ensuring that every solution evolves with the company's goals.
Tech & Stack
Skill set
Technologies
Stack in continuous use across the engagement.
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