Fintech software, ML, and strategy built by operators who run lending.
For banks, credit unions, and fintechs. Recently funded? New CTO? Modernizing legacy? We deliver in five focus areas—on time, on budget.
We are a team behind a Techstars-backed fintech. We run lending; we build the software that powers it.
What we deliver
Whether you are modernizing legacy systems, automating back-office, adding capacity, or defining your roadmap, we have been there. We deliver in five focus areas so you can quickly see where we add value. Each area has its own page with detailed outcomes and how we work. Read the one or two that fit your situation, then book a discovery call so we can align on your goals.
AI/ML in banking
Customer service and back-office automation. Chatbots, personalization, and ML that ships.
Learn moreModernization
Legacy and homegrown system upgrades. Digital transformation without full rip and replace.
Learn moreAdvisory & staffing
Strategic advice and embedded technical capacity. Scale your team with fintech-savvy talent.
Learn moreProcess automation
Operations, compliance, reporting, and internal workflows. Automate with clarity.
Learn moreDiscovery & strategy
Validation, roadmap, build vs buy, and scope definition. De-risk the path forward.
Learn moreWho we work with
We work with banks, credit unions, and fintechs in the US and globally. Our typical clients have a Director of Engineering, Head of Product, or CTO who owns the initiative and a budget in the range of $100K to $500K for the first phase. They are often at an inflection point: recently funded and scaling, a new technology leader who needs to move fast, or a team that has been running on legacy systems and knows it is time to modernize. They want a partner who has done this before and who will align on outcomes rather than just hours. They value domain knowledge: we understand lending, compliance, and the difference between a demo and a system that runs in production every day.
We are not the right fit for everyone. If you need a large offshore team at the lowest possible rate, we are not that. If you need a partner who will own your entire technology strategy without your involvement, we are not that. We are the right fit when you want operator-level experience, clear scope and accountability, and a partner who will tell you when something is hard or when a simpler approach is better. We work best with teams that can dedicate time to discovery, decisions, and feedback so that we can deliver on time and on budget.
Why now
Lending and fintech are under pressure. Regulatory change, competition, and customer expectations are pushing institutions to move faster. Legacy systems that worked for years are now bottlenecks. Manual processes that were acceptable are now too slow and too error-prone. At the same time, building in-house is hard: hiring is slow, and the best talent often prefers to work on product at a tech company rather than internal systems at a bank. That is where we come in. We offer a middle path: a partner who brings fintech and lending experience, who can scale up or down as your needs change, and who will align on outcomes so you are not betting the business on an open-ended engagement.
Many of our conversations start with a trigger: a new round of funding, a new CTO or Head of Product, a regulatory deadline, or a competitor launch. If you are in that moment, book a discovery call. We’ll listen, ask questions, and tell you whether we’re a fit and what we’d recommend next. Share what’s driving your timeline—no deck required.
How we work
We start with discovery. We want to understand your problem, your constraints, and your success criteria before we propose a solution. That might be a short discovery and strategy engagement (scope, roadmap, build vs buy). It might be a proof of concept or pilot (e.g. an ML pilot, an API prototype). Or it might be a full build: a lending feature, a decision engine, or a modernization project. We will be clear about what we can deliver, in what timeframe, and at what investment level. We publish high-level engagement bands on our engagement types page so you know the rough scope before we talk. We do not do open-ended engagements; we align on outcomes and phases so you can commit incrementally.
We deliver in phases with clear milestones. You will see progress regularly and have the chance to adjust scope or direction if needed. We document what we build and we plan for handoff so that when the engagement ends, your team can maintain and extend the system. We also offer retainer arrangements for ongoing support and iteration after launch. If you want to see proof before you commit, read our case studies. We have detailed examples in lending and BNPL, ML in production, and technology-enabled hard lending. Each case study has metrics and outcomes so you can assess whether our experience fits your needs.
