Credit that approves more and collects better
An origination engine, underwriting, and risk analysis that balance approval and default. From consumer lending to BNPL, we build the full credit infrastructure, with compliance and portfolio management.
+0k
customers on a lending platform we built from scratch
In lending, every decision is revenue or loss
Approving fast, pricing risk, and recovering delinquency are what separate a healthy book from a hole in the balance sheet. The gaps we see most:
Slow decisioning loses customers
If approval takes hours or days, the customer drops off or goes to a competitor. Good credit is fast credit — and accurate credit.
Mis-calibrated risk
Approve too much and defaults spike; approve too little and you leave money on the table. Without a tuned risk engine, both mistakes cost dearly.
Regulation and formalization
Installment loans, cards, BNPL: each product has its own rules, contract, and formalization. Get the paperwork wrong and disbursement stalls.
Collections and recovery
Without a collections strategy, renegotiation, and integration with the right channels, delinquency turns into a loss that never comes back.
From origination to collections, the full cycle
We build every stage of credit with the standards we learned shipping consumer lending, BNPL, and collections platforms in production.
Origination that approves at the right moment
An origination engine with real-time decisioning, configurable policies, and integration to bureaus and open data. That's how we built, from scratch, a consumer lending platform with 20,000+ customers.
Underwriting and risk with intelligence
A proprietary score, risk models, and policy rules that balance approval and default. A credit engine calibrated for your product, from payroll lending to BNPL.
From BNPL to installment loans, the product you sell
Buy Now Pay Later integrated at the point of sale, personal loans, payroll-deducted lending with formalization: we build the full credit product, with a proprietary engine and regulatory compliance.
Portfolio management and automated collections
A collections strategy, renegotiation, and integration with channels and systems to reduce delinquency. We've automated legal collections with direct integration to the court system.
Credit Luby put into production
From consumer lending to collections, with a proprietary engine and real results.
Technologies & partners
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AWSPythonNode.jsJavaPostgreSQLKafkaRedisAWSCommon questions about credit infrastructure
Let's design your lending operation
Bring your credit product, from consumer lending to BNPL. You'll leave the conversation with a clear technical path, from origination to collections.