Modern lending,on the record.
Digital applications and versioned credit policy up front. Behind them, a servicing ledger with branch-level access, GL accounting, hardship tools and an audit log of every change.
Book a demoEvery team at the bank,looking at the same loan.
Ask ARC what’s holding a file.
Income verification is pending: the pay stub upload is from 2024. Credit and identity passed. One document is needed to decide.
ARC · read 3 providers, 2 docsWorkouts without spreadsheets.
Sell loans to investors.
Even the AI is on the record.
Scoped by branch.Restructured by the book.
Offices nest the way your bank does, and staff see the loans in their office. When a borrower needs room, preview the new payment before you re-amortize.
| Current | New | |
|---|---|---|
| Balance | $10,284.95 | $10,284.95 |
| Remaining term | 28 mo | 40 mo |
| Rate | 9.90% | 9.90% |
| Monthly payment | $412.88 | $302.93 |
Every payment writes a journal entry.Every change leaves a trail.
Journal entries post to your GL accounts as loans move, scoped by office so each branch sees its own book. Scheduled reports land on your SFTP server, and the audit log records who did what, when.
| Account | Name | Debit | Credit |
|---|---|---|---|
| 1010 | Cash · operating | $18,642.10 | – |
| 1310 | Loans receivable | – | $15,210.55 |
| 4010 | Interest income | – | $3,431.55 |
No. LendAPI runs loan origination and loan servicing: applications, decisions, pricing, documents, schedules, payments and collections. Your deposit core stays where it is.
