Now onboarding select design partners

The composable, AI-native loan servicing platform

LendEasy is an AI-native servicing platform with governed AI agents, a control plane, a servicing workspace, and an optional bank-grade lending core. Run the full stack, or connect to the core you already use.

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Why now

Servicing software is changing generations

Servicing is being squeezed from three sides: cost, compliance, and customer expectations.

Servicing costs keep climbing

The cost to service a delinquent loan rises every year, because every regulated touch needs a trained human on the clock.

Every manual decision is exposure

Compliance risk compounds with every judgment call made outside the system — and regulators now examine AI use in collections explicitly.

Borrowers expect always-on

Borrowers expect instant, around-the-clock service that branch-hours staffing can't deliver — and the gap costs cures and goodwill.

Modern servicing needs a governed operating layer where humans, AI agents, and compliance work together.

Generation 1

The system-of-record era

Servicing software meant a ledger. Correct balances, batch jobs, green screens. Work happened around the system — in spreadsheets, dialers, and memory.

Generation 2

The workflow & CRM era

Cloud cores and servicing CRMs moved work into software. But compliance stayed a report after the fact, and “AI” arrived as a bolt-on at the edges.

Generation 3

The AI-native control plane era

Humans and AI agents are interchangeable governed workers under one control plane. Compliance is a pre-execution gate. LendEasy was designed here from day one.

The platform

One platform, four composable products

Adopt them together as an operating system for servicing, or start with the piece that hurts most — the core is composable too. Each product is API-first and governed by the same compliance engine.

AI Agent Workforce

AI loan servicing done as governed work: agents that work cases alongside your team — not a chatbot bolted onto the side.

  • Same queues, same permissions, same audit trail as human agents
  • Voice agents handle collections and hardship calls end to end — every dial cleared by the compliance gate first
  • Every borrower-facing financial figure comes straight from the ledger — the model chooses the words, never the numbers
  • Graduated autonomy: assist, approve, then autonomous within policy
  • Instant kill switch, model-agnostic by design
Meet the agent workforce

Servicing Control Plane

The brain of servicing: cases, tasks, smart queues, omnichannel interactions — governed by a compliance engine that runs before actions, not after.

  • Every rule traces to a named regulation, jurisdiction, and effective date — version-pinned
  • Every message and call is re-checked at the moment it goes out
  • Real-time contact-frequency budgets computed per debt
  • Tamper-evident decision records your auditors can verify, linked into one searchable evidence trail
  • One-click litigation and exam evidence export
Explore the control plane

Servicing Workspace

The place servicing work happens: everything an agent or manager needs to resolve a case, with workflows you configure instead of code you commission.

  • Case workspaces with full borrower context
  • 20 case types out of the box — collections, bankruptcy, hardship, SCRA, disaster, identity theft, and more
  • Configurable workflows per case type — business configuration, not application code
  • Manager command center: queues, presence, SLA health, escalations
  • Secure document exchange and maker-checker approvals
See the workspace

Bank-Grade Lending Core

The system of record: configurable loan products for any asset class on a hardened, API-first core — run ours, or keep the one you have.

  • Fully configurable loan models for any asset class — consumer installment, BNPL, merchant advance, and what you launch next — in configuration, not code
  • Funding and payments via ACH, cards, and RTP
  • Integrated accounting connected with your accounting package
  • White-labeled borrower self-service portal: payments, statements, autopay, documents
  • Integrated portfolio reporting, credit bureau integrations, and more
See the lending core

Compliance engine

Compliance is the gate, not the report

Most servicing systems tell you what went wrong yesterday. LendEasy decides what is allowed to happen next — before any message is sent or any call is dialed, by anyone, human or AI.

Regulation-traceable rules

Every rule names its regulation, jurisdiction, and effective date, and is version-pinned — so you can answer exactly which rule version was in force when a message went out.

Checked before execution

Every send and every dial is re-checked at execution time — for humans and AI alike. Nothing reaches a borrower on stale eligibility.

Real-time contact budgets

Contact-frequency limits — like Reg F's seven-calls-in-seven-days — are computed per debt, in real time, not reconciled in a nightly report.

Tamper-evident evidence

Every decision is captured in tamper-evident records your auditors can verify — searchable, connected, and exportable in one click for litigation or an exam.

How the compliance engine works

End-to-end servicing

From delinquency to documented resolution — no swivel chair

Here is first-party collections on LendEasy — one governed flow from case open to evidence, with humans and AI agents working the same pipeline.

  1. 1

    Account enters a collections case with full borrower context

  2. 2

    Compliance engine computes contact budgets and eligible channels

  3. 3

    Smart queue routes the work to a human or an AI agent — including AI voice

  4. 4

    Execution-time check clears the message or dial at the moment of send

  5. 5

    Resolution options are offered, grounded in ledger facts

  6. 6

    Each outcome is linked to the facts, approvals, and compliance decision that produced it

First-party collections on LendEasy — every step policy-checked and recorded.
Inside the first-party collections flow

Payment operations

Payments are credited the day the borrower paid, failed ACH payments follow automated playbooks, and autopay and payoff quotes are built in — on-time payers are never marked late while ACH settles.

See the scenario

Bankruptcy & protected borrowers

Bankruptcy, cease-communications, SCRA, and identity-theft cases that automatically restrict outreach the moment a protection applies.

See the scenario

Disaster response

Stand up disaster and hardship programs in configuration, not code — eligibility, outreach rules, and relief workflows in one place.

See the scenario

Composability

Run the full stack, or bring your own core

The servicing plane binds to any system of record through a clean contract: ledger facts in, governed actions out. You decide how much of LendEasy to run.

The full stack

A bank-grade lending core with configurable loan products for any asset class, built on hardened, open-standard foundations — plus the control plane, servicing workspace, and AI workforce on top.

See the lending core

Your core, our control plane

Keep the system of record you already run. The control plane consumes its facts and returns governed actions — so you get the AI workforce and compliance gate without a core migration.

Explore the control plane

Built by the people who built lending infrastructure

Vishwas Babu

Vishwas Babu

AI Agent Product & Lending Infrastructure

Co-founded Finflux · Chief Product Officer at Mbanq · Chief Platform Officer at LendAPI · bank-grade lending infrastructure leader

Ullas Sankhla

Ullas Sankhla

AI Agent Engineering & Cloud-Scale Infrastructure

14 years building AWS-scale data platforms · leads LendEasy engineering

Meet the team
Agent tryout

Preview an AI servicing agent workflow

What the demo shows

How an agent qualifies an account before outreach

How consent, borrower status, and policy checks shape the workflow

How approved hardship, payment, or PTP options are presented

How outcomes sync back to the servicing workspace and LMS

How the control plane governs agent behavior

Collections workflow demo

First-party collections flow

A guided collections workflow that checks policy, validates identity, and records each servicing action.

1

Account enters an approved collections segment

2

Agent checks consent, borrower status, timing, and policy

3

Borrower identity is validated before loan details are discussed

4

Approved payment, hardship, or promise-to-pay options are offered

5

Resolution and follow-up tasks sync back to the servicing workspace and LMS

By requesting access, you agree that LendEasy may contact you about this demo. We use submitted details only for demo coordination and product follow-up.

FAQ

Questions lenders ask us

It is the layer that decides, governs, and records every servicing action. LendEasy's control plane manages cases, tasks, smart queues, and omnichannel interactions, and runs a compliance engine in front of every action — so whether a human or an AI agent does the work, the same rules apply and the same evidence is captured.

See the AI-native servicing platform in action

We're building LendEasy alongside a small group of design partners who service loans every day. Walk through the agent workforce, the compliance engine, and the servicing workspace with the founding team.

Partner with usRequest a demo