Small-Dollar Loans
Turn low-margin micro-lending into a highly profitable automated growth engine. Streamline the entire lifecycle with score-based credit decisioning and zero-touch processing to safely scale volume without expanding your back office.
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Frictionless Intake.
Don't let clunky PDF forms kill your conversion rates. Lama AI provides a sleek, mobile-responsive application framework that uses smart data pre-fill and a smart client portal to cut application time down to under two minutes. Give applicants the modern, consumer-grade experience they expect from corporate card programs.
Instant Fraud & Identity Guard.
Clear compliance hurdles instantly without slowing down your pipeline. The platform automatically triggers real-time pre-flight checks the moment an application is submitted, verifying corporate registries, cross-referencing Ultimate Beneficial Owners (UBOs), and executing automated fraud and AML/OFAC screens completely in the background.
Automated Cash Flow Analysis.
Move beyond stale, historical credit scores without creating borrower bottlenecks. Lama AI gives applicants the ultimate flexibility to instantly link their business bank accounts via Plaid and accounting software APIs, or simply upload their financial statements manually. Whichever path they choose, the platform completely removes the friction, running instant automated financiala spreading on live feeds or utilizing advanced document extraction to instantly parse uploaded files, transforming raw inputs into clear credit metrics in seconds.
Auto-Decisioning and Recommendations.
Stop letting card applications languish in manual queues. The decisioning criteria is entirely yours; the instant recommendation is on us. By embedding your unique policies, Lama AI executes true straight-through processing (STP) in seconds.
Whether you choose full automation or a flexible human-in-the-loop approach for larger limits, Lama AI delivers instant risk grading and optimized credit line recommendations without the administrative backlog.
Automated Closing & Funding.
Eliminate back-office delays with zero-touch funding. Upon approval, Lama AI automatically executes the entire closing workflow, instantly generating legal agreements, routing them for e-sign, and pushing data via API straight to your core for immediate disbursement.
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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