Custom Products
Launch new lending products without waiting on custom development or professional services. Lama AI gives lenders the flexibility to configure consumer loans, specialty finance products, syndicated deals, larger commercial facilities, and other custom credit workflows through a no-code platform built for complex underwriting. Whether you are expanding beyond SMB lending, testing a new product line, or adapting to a niche credit program, Lama AI makes it easy to configure the application, data requirements, decisioning logic, workflows, approvals, documents, and integrations you need.
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No-Code Product Configuration.
Don't let rigid loan origination systems limit your product roadmap. Lama AI allows your team to configure new lending products without relying on engineering resources or lengthy professional services engagements.
You can define product-specific application fields, borrower types, document requirements, eligibility rules, approval paths, decisioning criteria, required disclosures, closing conditions, and downstream system mappings through flexible no-code configuration.
That means lenders can launch new products faster, iterate based on market feedback, and support specialized credit programs without rebuilding the platform each time.
Flexible Intake for Any Borrower Type.
Custom products often require custom data collection. Lama AI supports configurable intake flows for businesses, consumers, guarantors, co-borrowers, sponsors, investors, brokers, dealers, or other transaction participants.
The platform can capture the right information for each borrower type, including personal details, business information, ownership structures, income, employment, collateral, use of funds, project details, guarantor information, and supporting documentation.
Whether the product looks more like a consumer loan, a commercial facility, or a hybrid structure, Lama AI helps create a clean, guided borrower experience from the start.
Business and Consumer Underwriting in One Platform.
SMB lending is uniquely complex because it often requires both commercial and consumer-style underwriting. Lenders need to understand business performance, ownership structures, UBOs, guarantors, cash flow, entity relationships, and collateral — while also evaluating individual creditworthiness, income, identity, obligations, and repayment behavior.
Lama AI is built to support that overlap. The platform can help lenders combine business underwriting, consumer underwriting, guarantor analysis, entity verification, fraud checks, bank data, financial documents, and policy-based decisioning into one coordinated workflow.
This flexibility makes Lama AI a strong fit not only for SMB lending, but also for consumer loans, owner-guaranteed products, syndications, sponsor-backed transactions, and larger commercial deals with complex ownership or participant structures.
Configurable Fraud, Identity & Compliance Checks.
Every product has its own risk and compliance requirements. Lama AI allows lenders to configure the checks needed for each workflow, including business verification, consumer identity verification, corporate registry checks, Ultimate Beneficial Owner verification, fraud screening, AML, OFAC, and other pre-flight controls.
The platform automatically triggers the right checks at the right step, helping lenders reduce manual review while maintaining strong compliance discipline across different product types.
Custom Decisioning and Recommendations.
Your credit policy should drive the product — not the limitations of your software. Lama AI lets lenders configure decisioning logic around their unique criteria, including eligibility rules, risk grades, approval thresholds, pricing guidance, credit limits, loan amounts, advance rates, collateral requirements, guarantor rules, and exception handling.
The platform can support full automation for straightforward products or human-in-the-loop workflows for more complex transactions, larger exposures, syndicated structures, or policy exceptions.
Automated Closing, Funding & Workflow Orchestration.
Once a custom product is approved, Lama AI helps automate the operational work that comes next. The platform can generate product-specific agreements, route documents for e-signature, collect final conditions, coordinate approvals, and push structured data via API into core, LOS, servicing, payment, or issuance systems.
From application to decision to closing, Lama AI gives lenders the tools to launch and scale new lending products without heavy implementation work.
Built to Expand With Your Lending Strategy.
Custom Products gives lenders room to grow beyond predefined templates. Whether you are adding consumer loans, specialty financing, complex commercial products, syndicated facilities, or new hybrid credit programs, Lama AI makes product expansion part of configuration — not a new implementation project.
With no-code flexibility, configurable underwriting, and automated workflows, Lama AI helps lenders move faster, test new opportunities, and support more credit products from one platform.
Credit assistant guiding underwriters.
Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.
Works with the systems you already trust.
With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.
All the LOS capabilities, out of the box.
Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.
Enterprise-grade security.
Protect your data and your customers’ trust with built-in compliance and bank-level safeguards. Lama AI is SOC 2 Type 2 certified and CCPA/CPRA compliant. With 256-bit AES encryption, role-based access, and SSO support, only the right people have access at every step.
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GenAI at your service.
Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.
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