Build a lending platform — loan origination, underwriting, and servicing infrastructure.
Lending is heavily regulated. A lending platform needs to handle loan applications, underwriting logic, credit decisioning, disbursement, and repayment servicing — with proper compliance architecture for the jurisdictions you operate in.
Fintech founder building a lending product who needs the technical platform for loan origination, decisioning, and servicing — with compliance architecture
Lending is among the most regulated software categories. Technical requirements intersect with legal requirements at every step.
Lending platform technical requirements:
Loan application: Structured intake of borrower information. Identity verification (KYC via Persona). Employment and income verification. Bank account verification.
Underwriting: Credit bureau data integration (Experian, TransUnion, Equifax via APIs). Alternative data sources for thin-file borrowers. Rules engine for credit decisioning. Adverse action notice generation.
Compliance architecture: Equal Credit Opportunity Act (ECOA) requirements. Fair Credit Reporting Act (FCRA) compliance. State lending license requirements. Adverse action notices. Loan disclosures (TILA/RESPA where applicable).
Servicing: Loan payment scheduling. Automatic payment via ACH. Payment posting. Late fee calculation. Payoff calculation. 1098/1099 generation.
Lending platform deployed — loan application flow, underwriting rules engine, credit decisioning, disbursement, and loan servicing dashboard
Application flow
borrower intake with identity and income verification
Underwriting engine
rules-based credit decisioning with audit trail
Credit bureau integration
soft and hard pull via API
Disbursement
ACH disbursement to borrower bank account
Loan servicing
payment schedule, ACH collection, account management
Compliance
adverse action notices, disclosures, audit trail
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
Lending platform deployed — loan application flow, underwriting rules engine, credit decisioning, disbursement, and loan servicing dashboard
Three steps, every time.
The same repeatable engagement on every project. No surprises, no mystery, no billable ambiguity.
Brief & discovery.
We send you questions, then get on a call. Output: a written scope with every step, feature, and integration listed.
Build & ship.
Fixed schedule, weekly reviews. No scope creep unless you change the scope — and if you do, we reprice it transparently.
Warranty & retainer.
30-day warranty on every launch. Most clients stay on a monthly retainer for ongoing features and maintenance.
Why Fixed-Price Matters Here
Lending platforms have defined application, decisioning, and servicing workflows. Fixed-price from the spec.
Related engagements.
Questions, answered.
Depends on the product structure. Direct lending requires state licenses. Bank partnership models (bank originates, you service) may not require your own license. Regulatory structure defined before any code is written — this is a legal question, not a technical one.
Plaid for bank account and income verification. Credit Karma's Experian API, TransUnion's TruVision, or Equifax's OneScore for credit data. Specific bureau and API depends on underwriting requirements.
Tell Ryel about your project.
Describe what you’re building and what outcome you need. You’ll have a written, fixed-price scope within the week.