Work your systems
Read and write the platforms your loans live in, exactly as an operator would.
Platform
An AI execution layer for lending.
Build AI agents that replicate how your team already works, then let them run it — across your systems, your documents and your channels.
Architecture
Your workflows, executed end to end
You define the work. Agents carry it out across every system it touches, and bring back what needs a person.
Your workflows Configured around how your team operates
Origination
Servicing
Portfolio
Collections
Arbour AI agents Executing
Execute and coordinate work across your systems.
Core systems
Documents
Channels
Portals & tools
Completed work Records updated, files moved forward
Human oversight Your team on the calls that need judgment
AI agents
Agents that complete work, not just read it
Each agent runs a workflow end to end and leaves the same record behind that a person on your team would.
Read documents
Interpret statements, packages, certificates and forms, and check them against the file.
Handle correspondence
Work the inbox, reach borrowers and counterparties, and log every touch.
Hold state for weeks
Send a request, wait, re-chase on schedule, and resume at the right step.
Coordinate with each other
Hand work between agents so a workflow spanning teams still runs as one.
Change as you do
Adjust a workflow or add a new one without an engineering project.
A run, step by step
Long-running by design
Work starts on an event or a date, survives waits measured in weeks, and closes only when it is actually done.
Triggered by Coverage expiry in 11 days
- Requested renewal documentation Done
- No response — escalated on schedule Done
- Document received and checked against requirements Done
- Discrepancy found — correction requested Done
- Correction verified, record updated Running
Outcome Document received and verified. Record updated. Next review scheduled.
Custom workflows
Your workflows, powered by AI agents
Start from how your team already operates — and every workflow stays yours to change.
How your team works today Described in your own words
When a payment comes back, someone checks the account the same day.
If it is a one-off and there is no hardship plan, we retry it around their next pay date.
We let the borrower know, and we follow whatever notice rules their state has.
Bigger fee waivers go to a manager first.
Your Arbour agent Configurable · versioned · yours to change
- Starts when
- A payment is returned
- Works across
- Core system · Documents · Email
- Does
- Reviews the account, schedules the retry, notifies the borrower, updates the record
- Involves a person
- Fee waivers above your threshold
Integrations
Connected to the stack you already run
Arbour is not a system of record and does not ask to become one. It operates alongside what you have.
Systems of record
Read and write the platforms your loans already live in.
- LOS
- LMS
- Core banking
- Servicing platforms
Documents & data
Pull files and reference data from wherever they land.
- Document stores
- Data warehouses
- Secure transfer
- Spreadsheets
Communication channels
Work the inbox and reach borrowers on their channel.
- SMS
- Voice
- Borrower portals
Anything with a screen
Where no API exists, agents operate the interface directly.
- Vendor portals
- Investor sites
- Legacy terminals
- Internal tools
Human oversight & auditability
You hold the dial
Automation only works in lending if every action is bounded and explainable. Arbour records the reasoning as the work happens.
Autonomy you set
Decide what runs unattended, what needs review, and what always stops for a person.
Approvals in context
Paused work arrives with everything the reviewer needs and a proposed action.
Hard boundaries
Scoped tools and approved templates. An agent cannot act outside its workflow.
Full audit trail
Every action is logged and replayable — evidence produced, not assembled later.
TimeEventDetailActor
09:02:14 trigger Returned payment posted · LN-40219 system
09:02:15 read Payment history, account notes, hardship status agent
09:02:17 check Workflow conditions met — retry eligible agent
09:02:18 read State notice requirements — 3 days before retry agent
09:02:21 write Retry scheduled for 14 Mar → core system agent
09:02:22 send Borrower notice sent by email agent
09:02:22 hold Fee waiver $75 exceeds approval threshold agent
09:41:06 approve waiver approved j.alvarez
09:41:07 write Waiver applied, note appended to the loan agent
Exportable as evidence · immutable · replayable
Next step
See Arbour in action
Tell us how your team works and we’ll show you the agents that would run it.