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Solutions

One platform, the whole lifecycle.

Arbour agents work wherever lending operations happen — from application through payoff. Workflows are built around how your team operates, so the examples below are illustrative, not a fixed catalogue.

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01 — Origination & underwriting

Get to a decision faster

Agents gather what the file needs, check it against your criteria, and move the application forward without the manual chase.

financials_fy25.pdf
Extracted · checked against application 2 to review
Entity Okafor Logistics LLC
Period FY2025 · audited
Revenue $8,420,000
EBITDA $1,106,000
Total debt $3,900,000
Debt service coverage 1.18x — below 1.25x policy
Stated revenue on application $9,100,000 — variance
Agent flagged both variances and requested clarification from the borrower.
Example capabilities
  • Application intake and data capture
  • Document collection and verification
  • Third-party checks and reference data
  • Analysis and credit file preparation
  • Closing conditions tracked to clear
  • Decision packages assembled for review
02 — Loan servicing

Keep the book clean

Boarding, payments, documents and borrower requests, worked as they arrive rather than when someone reaches the queue.

Servicing agent LN-38104
Triggered by Payment exception raised
  1. Identified the exception and read the account history Done Core
  2. Matched the payment to the correct loan Done
  3. Reversed and reapplied, recalculated interest Done Core
  4. Confirmation drafted and sent to the borrower Running Email
Outcome Funds reapplied, interest recalculated, borrower confirmation sent.
Example capabilities
  • Loan boarding and data validation
  • Payment exceptions and cash application
  • Escrow, fees and statement questions
  • Payoff quotes and account changes
  • Borrower requests across every channel
03 — Portfolio management

See problems while they’re still small

Obligations chased before they’re late, reporting assembled on schedule, and risk surfaced with the working shown.

Monitoring board · obligations due in 30 days 34 open
BorrowerObligationDueState
Okafor LogisticsInsurance certificate — renewalMar 01 Discrepancy
Harbour Point LPQuarterly financials — Q4Mar 05 Received
Delta FabricationCoverage ratio — Q4 testMar 05 Analysing
Meridian HaulageAnnual tax return — FY25Mar 12 2nd chase
Rowan IndustrialProperty insurance — expiryMar 18 Requested
Every row is a live run. Each chases on its own schedule and closes itself when the obligation is met.
Example capabilities
  • Reporting and covenant obligations
  • Insurance and collateral tracking
  • Early-warning and exception surfacing
  • Investor and internal reporting packages
  • Audit and diligence evidence
  • Portfolio-wide policy checks
04 — Collections & recovery

Consistent outreach, every account

Agents work the full contact sequence in your approved language, and hand off the moment a conversation needs judgment.

Example capabilities
  • Early-stage contact across email, SMS and voice
  • Payment arrangements within the limits you set
  • Hardship intake and routing to a person
  • Loss mitigation workflow and documentation
  • Recovery, settlement and remarketing support
LN-31884 · Okafor Logistics Logged to loan
Arbour agent Email 08:41

Good morning — the March payment on your account is five days past due. Here is a secure link to bring it current, or reply and I can set up an arrangement.

Borrower Email 11:20

Cash is tight until our customer pays on the 20th. Can it wait until then?

Arbour agent Email 11:21

That works — I’ve scheduled the payment for the 20th and paused further notices until then. Nothing else is needed from you, and no late fee will be applied.

Borrower Email 11:24

Appreciated, thanks.

Handled entirely by the agent. Escalation criteria were not met, so no human was interrupted.
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Tell us how your team works and we’ll show you the agents that would run it.

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