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For COOs and Chief Risk Officers

Skip a generation. Modernize your lending business and put AI to work.

Run by lending operators. Built by engineers. We modernize your operations and put AI to work inside them.

Book a call See what we have built

$20B+

of consumer and business lending made possible by the systems and infrastructure our team built

lenders and platforms built, one of them sold

50 states

We have launched lenders in every one, and built the compliance framework that keeps them running clean

Companies we have worked with

The NextRaise Lending Agent Fleet

An implementation services firm for policies, processes and systems in the world of AI.

We write the policies, fix the processes and build the systems a lender needs, then put AI to work inside them. We start with the NextRaise Lending Agent Fleet: four AI agent templates, one for each part of a lender. Each one is built on a knowledge graph of how that part works: its rules, records and systems. We deploy the templates in your environment and customize them to your use cases. Your people approve every output.

Start with a template

Each template comes with a ready-made knowledge graph and AI agents for routine work, so you are not starting from zero.

Deploy it in your environment

We install it in your cloud or data center and connect it to your core, loan origination, servicing and data systems. Your data stays in your environment.

Customize it to your use cases

We set it up for your products, states, policies and approval steps, and adjust it as your business changes.

The fleet: four AI agent templates

Tap a box to see how it connects

AI agent template 01 · Isaac

Credit risk and fraud management

Screens applications for fraud, checks every decision against your credit policy, drafts adverse action reasons and watches how the portfolio performs.

Named for Earl Isaac, the mathematician who co-founded Fair, Isaac and Company in 1956 and helped make credit scoring a standard part of lending.

How Isaac works →

Every output is drafted by an AI agent and approved by a named person on your team. NextRaise is not a law firm.

See how the fleet works together →All services →

Who we help

Built for the people who carry the risk

You do not need to be a technology company to leapfrog. You need a partner who has done the work before and can build what is missing.

01 / 08 Community banks AI and modernization inside lending operations, with the governance documentation your examiners expect. SR 11-7 and the 2023 interagency guidance For banks → 02 / 08 Credit unions Member operations that keep up: onboarding, servicing and collections, without a data science team. Document intake, servicing, governance For credit unions → 03 / 08 Fintech lenders Scale lending without breaking servicing, compliance or data. Octane: $2.5B originated For fintechs → 04 / 08 Specialty finance Servicing, collections and recovery built to hold up with investors and examiners. Octane servicing, Synchrony recovery Operations and compliance enablement → 05 / 08 Captive and OEM finance A captive lender stood up from a blank page, licensed in every state. Kawasaki Motors Retail Finance The lending agent fleet → 06 / 08 Vertical SaaS and platforms Embed lending and payments in your product, under your brand. Rail, EveryStreet For platforms → 07 / 08 Marketplaces and payments Grow a lender network, a checkout or a wallet, and the operations behind it. Lending Club, ChargeAfter, Paze Case studies → 08 / 08 Lenders raising capital Loan data that investors, trustees and rating agencies trust. Octane securitizations Capital markets strategy and reporting →

Proof

Work we have done

Captive lender

Launched Kawasaki Motors Retail Finance from scratch

Kawasaki and ITOCHU wanted their own U.S. captive finance company. There was no entity, no systems, no credit programs and no team.

Entity, vendor stack, credit policy and org design
Licensing across all 50 states and D.C. in four waves
40+ roles hired across finance, credit, IT and data science

4 months

kickoff to first loans

1,000+

dealers enrolled

All case studies →

Team

People who have run these businesses

Nearly a century of combined experience across lending, servicing, collections and compliance, plus a product and technology lead who builds the systems and the AI agents.