The Challenge
Hard money lenders were funding mortgages through complex, manual workflows. Fragmented payment systems and inefficient fund management delayed approvals, creating severe friction for borrowers whose entire case for choosing a hard money lender is rapid access to capital.
The Context
Hard money lending competes on speed — borrowers pick the lender who can release capital in days rather than weeks. Because the product sits inside a regulated financial category, security, auditability, and payment compliance constrained every architectural decision.
The Solution
We built a secure, end-to-end digital banking environment with AI agents that surface and route funding decisions for lenders. The platform unifies fund management and custom card issuance, compressing the mortgage funding cycle and giving lenders real-time oversight of their capital.
How It Works
Lenders manage capital from a single dashboard. AI agents surface and route funding decisions, automated payment pipelines move money without manual handoffs, and custom card issuance puts approved funds to work without another round of processing.
Engineering
Built on NestJS and TypeScript over PostgreSQL, with an AI orchestration layer between the lender's workflows and third-party financial APIs. Fund movement, card issuance, and approval routing run through one transactional core, so lenders get real-time oversight of capital instead of reconciling across systems.