Loan origination software
for smart loan processing
Take an application from first tap to funded money in one pass. No paper, no rekeying, and no screen your team has to work around.
Move faster without loosening credit
Speed in origination usually comes from skipping a check. Lendfy gets its speed from removing the handoffs instead, so the same checks run in seconds rather than across three systems and a spreadsheet.
Bank data read directly, income cadence detected from real deposits, and the whole trace written down as the score is produced.
Intake, decision, disclosures, signature, and funding all write to the same application record. Nothing is retyped between steps, because there is nowhere else to type it.
Every step is a public, versioned endpoint with an idempotency key, so your own application flow can drive origination end to end.
Instant approvals you can still defend
Configurable decision rules, bank-data risk models, and broad data source connectivity power instant approvals. Qualification criteria, pricing, and risk parameters are all settings, so a program change ships without an engineering ticket.
Use the hosted application, or drive every step from your own front end through the public API.
Identity, bank statements, and pay stubs arrive as typed documents attached to the application, not an inbox folder.
Structured adverse action reasons come out of the decision itself, ready for the letter your program requires.
One pass, six steps, no rekeying
Each step writes to the same application record and emits an event your systems can subscribe to, so the funnel drives itself instead of being chased.
Problems with legacy origination systems
We ran on one. Every item here is something we worked around by hand before we decided to build the replacement.
Application in one place, documents in an inbox, decision in a spreadsheet, and a person retyping between them at every step.
If the screen can do it but no endpoint can, your own application flow is locked out and someone ends up scraping a report.
A success response that was never checked against the rail, so nobody knows whether money actually moved until a customer calls.
A new amount tier or fee structure turns into a change order and a release window instead of a settings change.
A score with nothing behind it, leaving adverse action letters to be reverse engineered at complaint time.
No snapshot of the exact terms the borrower saw, which is the one document an examiner will ask for.
Originate a loan before you decide
Get sandbox access and take a fake application all the way to funded, with the events arriving as you go. Then judge it.