Case study

Automated SaaS Lending & Risk Assessment Platform

The Problem:

Small business owners often face a fragmented and opaque lending process, while financial institutions struggle with slow, manual underwriting. The lack of a centralized, data-driven system led to long approval wait times, high operational costs, and missed opportunities for both lenders and borrowers.

Our Solution:

To build a comprehensive SaaS lending platform that digitizes the entire loan lifecycle. By integrating automated financial data collection, real-time credit scoring, and a streamlined application portal, the platform enables businesses to secure funding faster while providing lenders with robust, AI-enhanced risk assessment tools.

Technology Stack:

React, Node.js, Python (Django), PostgreSQL, AWS, Stripe API (Integration)

Key Results & Value:

Faster Capital Access: Reduced loan processing and approval times from weeks to just a few business days through end-to-end automation.
Enhanced Risk Mitigation: Improved underwriting accuracy by integrating real-time financial data streams and automated credit analysis.
Operational Scalability: Enabled lenders to handle a 3x increase in application volume without expanding their administrative teams.
Seamless User Experience: Provided a transparent, self-service portal for business owners to track their application status and manage repayments in real-time.

The problem:

We believe that lending money should be a simple process. So we worked to make it possible. Using top-notch technologies, like Node.JS, Docker, and AWS for the back-end, we developed a lending marketplace to make the lending process as easy as possible for everyone involved.

Key features:

Secured, fault-tolerant, high-performance solution

Credit score evaluation for potential borrowers

Data-driven decisions based on collected information on borrowers

Customer-oriented interface for easier interaction with borrowers

Machine Learning to calculate and accurate loan amount based on partner banks input

AWS-based fault-tolerant databases insights from collected data

Integration with 3rd party servers by using API for easy connection

Redesigned architecture from monolithic to microservices

Solution:

With our one-stop solution, everything can be done without the need for special personal guarantees or notarized documents: From borrower evaluation, to actual money transactions. Powered by machine learning algorithms, our platform helps to quickly calculate the amount to be lent to each borrower in a case-by-case basis, using the specific input provided by the bank, such as credit score, and previous loans.

At the same time, borrowers can also know quickly how much money they can expect from the lender, their interest rate, and the chances to get the loan approved. By facilitating the lending process, our platform works as a bridge between banks, and businesses and individuals looking for funds to increase their investments

Denzel Myers

CEO, AlphaLend

The project’s results exceeded all our expectations. Volodymyr’s contributions and active participation throughout the process were incredibly valuable.