Policies, processes and systems, built for the world of AI.

We are an implementation services firm. We write the policies, fix the processes and build the systems a lender needs, then put AI to work inside them. Each service comes with an AI agent template. Together, the four templates make up the NextRaise Lending Agent Fleet. We deploy them in your environment and customize them to your use cases. Your people approve every output.

01 · AI agent template: Isaac

Credit Risk and Fraud Management

We write or rebuild your credit policy and fraud controls. Then we deploy Isaac in your environment to screen applications, explain decisions and watch how the portfolio performs. Your credit team makes every call.

Credit policy and underwritingDecision strategy and adverse actionFraud policy and screeningPortfolio monitoringScorecard validation

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02 · AI agent template: Gianni

Operations and Compliance Enablement

We take servicing, collections, default and compliance off spreadsheets, email and manual handoffs. We deploy Gianni in your environment and set it up for your states, products and policies. Your team runs it.

Servicing and collectionsRepossession and defaultState compliance and rule monitoringServicing QAModel risk and vendor files

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03 · AI agent template: Grace

IT Support, Security Ops and Software Development

We decide build or buy with the numbers. Then we build the software, connect what you already own, and deploy Grace in your environment to handle IT support, security monitoring and the work one workflow at a time. Led by Kevin Park.

Loan origination and managementDealer, merchant and customer portalsPayments, bureaus, e-signatureDocument intake and reviewIT support and help deskSecurity operations

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04 · AI agent template: Hetty

Capital Markets Strategy and Reporting

Clean, reconciled loan data is the base for better decisions and for investors. We deploy Hetty in your environment to build the loan tapes and the reporting that lenders, trusts and rating agencies expect.

Loan-level data pipelinesLoan tapes and stratificationsServicer and investor reportingSecuritization readinessDaily loads and reconciliation

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All four templates together

The NextRaise Lending Agent Fleet

Isaac, Gianni, Grace and Hetty deployed together as a full lender team, out of the box. We run them from one plan to launch or rebuild a lender: the entity, credit policy, state licensing, vendors, hiring and the capital stack. We have done it from a blank page to live loans.

Credit policy and underwritingLicensing in all 50 statesVendor selection and contractsOrg design and hiringFunding and capital stack

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How we work

Start small. Grow into it.

Most clients begin with one problem and add scope as it works.

First

Diagnostic

We look at how the work really runs, find the constraint that costs the most, and write down what to fix first.

You get a short, ranked plan and a clear scope.

Project

A fixed-fee project, small, medium or large, with a defined scope and the people who will do the work.

You get the fix, delivered and documented, with your team ready to run it.

Ongoing

Run

An hourly retainer, or a managed service where we run the AI agents for you, priced on outcomes.

You get senior operators on call, without a full-time hire.

Not sure where to start?

Most clients begin with one problem: a manual process, a risky spot, or a system that will not scale. Tell us yours.

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