The NextRaise Lending Agent Fleet. A full lender team, out of the box.
Four AI agent templates, one for each part of a lender: credit and fraud, operations and compliance, IT and security, and capital markets. We deploy the fleet in your environment, run it from one plan and customize it to your use cases. Use it to launch a lender or to rebuild one. We have taken a lender from a blank page to live loans.
lenders launched in every one, with compliance matrices that keep them running
roles hired from zero at Kawasaki Motors Retail Finance, across finance, credit, IT and data science
in originations over five years at Octane, from employee 10 to SVP of Operations
Four templates. One lender team.
Start with one template or deploy the whole fleet. Each one runs in your environment, and your people approve every output.
01 · IsaacCredit Risk and Fraud ManagementScreens applications, explains decisions and watches the portfolio.Meet Isaac →
02 · GianniOperations and Compliance EnablementTracks the rules by state and checks servicing against them.Meet Gianni →
03 · GraceIT Support, Security Ops and Software DevelopmentConnects and secures your systems, and handles IT support.Meet Grace →
04 · HettyCapital Markets Strategy and ReportingBuilds the loan tapes and reports your investors rely on.Meet Hetty →
The templates share one plan and hand work to each other, so every license, policy, system, hire and funding source happens in the right order.
- Isaac drafts the credit policy. Gianni reviews it for fair lending and state rules.
- Grace connects the origination, servicing and payment systems the policy runs on, and keeps them secure.
- Hetty turns loan performance into the reporting your capital partners need, using Isaac's loss forecasts.
- Gianni tracks every state license, filing and renewal with a named owner.
The fleet drafts and tracks. Your team and your counsel decide. NextRaise is not a law firm.
Everything the first loan needs.
A lender is credit, compliance and a company, built together and in the right order.
- Founding credit programs and rate sheets
- Underwriting rules and risk framework
- Product business cases
- Titling and servicing procedures
- State licensing programs
- Compliance matrices and written policies
- Fair lending, ECOA and Reg B, UDAAP and privacy
- Outside counsel on every contract
- Vendor selection and contracts
- Org design and hiring
- Funding and capital stack
- Weekly operating review for the principals
Start small. Grow into it.
We look at the product, the states and the timeline, and write down what has to happen first. You get a short, ranked plan and a clear scope.
A fixed-fee project, small, medium or large, with a defined scope and the people who will do the work. You get the lender, documented, with your team ready to run it.
Hourly access to the team for the questions that keep coming up as you grow. Senior operators on call, without a full-time hire.
A captive lender, from nothing.
What people ask first.
Yes. Rebuilds are common: a new credit box, a new state footprint, a new servicing model or a new product. We start with a diagnostic, then scope the project.
Tell us what you are launching.
A short call is enough. Describe the product, the states and the timeline, and we will say what we would do first.
Book a call