lendavium
FasterReviewsSharperDecisionsCompleteControl
Faster Reviews SharperDecisionsCompleteControl
Manual loan review is slow, inconsistent, and expensive. Lendavium puts a team of specialist AI agents on every application — they do the digging, cross-check every claim, and hand your credit team one clear, auditable recommendation. AI does the legwork; your people make the call. Decisions that took days now take minutes.
Applicationto Decision
Agent Precision
Intake & Document Capture
Applications and documents flow in through any channel and are parsed into structured data automatically.
Verification & Database Checks
Identity, income, and fraud signals are verified against trusted data sources in seconds.
Risk Scoring & Recommendation
Lendavium scores risk and drafts a clear, explainable credit recommendation.
Your Team Makes the Call
Take every decision yourself, or let proven cases clear automatically — either way, each recommendation is fully auditable.
Orchestrator Agent
Briefs every specialist on the file, weighs their findings against each other, and returns one explainable recommendation — in seconds.
Bank Statement Agent
Income regularity, spending patterns, whether this is really the main account — plus fraud tells like mule activity or gambling spirals.
Credit History Agent
Repayment track record and open obligations, reconciled against everything else in the file.
Device Metadata Agent
Device age, installed apps, photo library — the quiet signals that answer one question: is this a real person?
Research Agent
Searches the open web and public records to cross-check that what applicants declare is actually true.
Phone Outreach Agent
If the file is incomplete, it calls or messages the applicant for documents and clarification — no analyst needed.
Your Next Agent
The harness is modular: plug in a new specialist or retune one in days, without rebuilding the pipeline.
Automated Intake
Fraud & Identity
Verification
Explainable Risk Scoring
Built-In Audit Trail
Proven in production
So what happens after Lendavium says yes?
We don't just build Lendavium — we lend with it. It runs our own loan book at SDL, and we followed 706 real funded loans from that book to see how the ones it approved automatically actually repay.
(AI-approved loans only — this excludes any a human chose to grant against the model's recommendation. On that blended book the numbers are still strong, just not quite this good.)
loans approved with no human in the loop — roughly six in ten applications.
of approved borrowers made their very first payment on time.
of every scheduled payment has been made so far.
fewer defaults on loans the AI approved by itself than on the ones a human granted against its advice.
Just 2.5% of the AI's own approvals have defaulted — versus 5.1% when a person overruled the model, on the same book of loans.
Back-test of 706 funded loans from the SDL portfolio, 2026, based on installments due to date. A late payment isn't a loss: borrowers who miss a month and then repay in full show up as paid in full, and “paid in full or on schedule” also includes loans settled early. Only genuine defaults — two or more missed payments with nothing repaid — count against the book, and those run at roughly 2–3%. Figures update as newer loans season.
Decisions your regulators can trust
Lendavium brings speed to underwriting without giving up control. Consistent, documented decisions — approved by your people wherever you require it — that stand up to scrutiny. Built for regulated institutions.
Scale lending without scaling headcount
Handle more applications with the same team. Automate the repetitive review work, cut time-to-decision, and keep a clean audit trail as you grow.
AI Underwriting Platform
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