01 — Commit the book
Give the agent a defined set of applicants to own.
- Named applicants
- Contact records
- Application files
- Approved products
- Lending policy
- Escalation path
Turn loan applicants into funded loans.
Name a book of applicants. We work each file through the calls, emails, documents, and follow-ups until the loan funds.
You have
Loan Applicants
You get
Funded Loans
You pay Per funded loan
- Calls
- Emails
- Documents
- Follow-up
- Exceptions
Start with 10% of the work.
Designate a slice of origination. Run it alongside your team. Measure funded loans. Give it more volume when it earns it.
- Loan applicants Funded loans
- You pay Per funded loan
Name the book of work.
02 — The agent owns the process
The agent performs the actions that move the file to funded.
- Call applicants
- Send email
- Send SMS
- Request documents
- Read documents
- Chase conditions
- Update the LOS
- Schedule closing
- Follow up
- Handle exceptions
- Escalate decisions
03 — Measure the outcome
Run it alongside your team and compare funded loans.
- Loans funded
- Cycle time
- Cost per funded loan
Start with 10% of the work.
What you give it
The company names the applicants, the files, and what the agent may do.
- Applicant contact information
- Application file
- CRM access
- Loan system access
- Approved product information
- Lending policies
- Communication rules
What it owns
- Agent owns
- Agent + human
- Human decision
- Applicant Agent owns
- Contact Agent owns
- Application Agent owns
- Documentation Agent owns
- Processing Agent owns
- Underwriting Agent + human
- Conditions Agent owns
- Clear to Close Agent + human
- Closing Agent + human
- Funded Human decision
What it can do
Communicate
- Phone
- SMS
Work with information
- Collect documents
- Detect incomplete files
- Read documents
- Request missing information
Operate software
- CRM
- Loan systems
- Browser
- APIs
Coordinate
- Follow up
- Chase outstanding conditions
- Schedule closing actions
- Escalate regulated decisions
You decide what the agent is allowed to do.
| Action | Permission |
|---|---|
| Contact applicants | Allowed |
| Request documents | Allowed |
| Update CRM | Allowed |
| Schedule closing actions | Allowed |
| Offer approved products | Allowed |
| Change company policy | Not allowed |
| Approve regulated decisions | Not allowed |
| Move money above threshold | Requires approval |
Humans stay in the loop.
The agent owns execution. Your team handles judgment, authority, or escalation.
Agent handles 92%
Example of execution
Exception detected
The job pauses on a rule
Human decision
Judgment, authority, or policy
Agent continues work
Execution resumes after the decision
Run it against your operation.
| Your Team | Agent | |
|---|---|---|
| Work items | 1,000 | 100 |
| Funded | 210 | 27 |
| Conversion | 21.0% | 27.0% |
| Average cycle time | 8.4d | 4.1d |
| Cost per funded loan | $810 | $430 |
Start with 10% of the work.
Measure funded loans the way you measure them now. Increase volume when the agent earns it.
Designate the applicants and the authority.
A funded-loans pilot starts when the company names who is on the book, what funded means, and what the agent may do.
- Named applicants
- Contact records
- Application files
- Approved products
- Lending policy
- Communication rules
- Escalation path
- Authority limits
- Funded definition
Start with 10% of the work.
Designate a slice of origination. Run it alongside your team. Measure funded loans. Give it more volume when it performs.