CapitalBridge Lending cut loan origination from 9 days to 11 hours and grew originations 2.3x
A mid-market digital lender was losing deals to faster competitors because underwriting took over a week. We built a custom lending platform with automated KYC/AML and AI-assisted underwriting — originations jumped 130% while default rates fell.
This is an illustrative case study. Company names, identifying details, and testimonials have been changed to protect client confidentiality. The technical solution and target outcomes are representative of the work we do. We extend the same confidentiality to every client.
Where they started
CapitalBridge was originating $40M a month in SMB loans, but every application touched 6 people and sat in queues for 9 days on average. Competitors were closing in 48 hours, and CapitalBridge was losing an estimated 35% of approved deals to faster lenders. KYC/AML was a manual checklist run by a compliance team of 4, and underwriters were copying financials between PDFs and spreadsheets. The CFO pegged the cost of lost deals at $18M a year in foregone interest income.
What we built
We built a custom digital lending platform with automated KYC/AML screening (integrating 3 verification vendors), AI-assisted underwriting that pulls bank statements, plaid data, and bureau scores into a single risk view, and a workflow engine that routes applications to the right underwriter in seconds. Compliance gets an audit-ready case file auto-generated for every loan. The platform went live in 10 weeks and replaced four point tools.
Target outcomes
More from this project
We were losing deals we'd already approved because borrowers wouldn't wait. Now we close most loans same-day, our default rate actually dropped because the AI catches risk the humans missed, and our compliance team sleeps at night.
Representative testimonial — name and role changed to protect client identity.