Cloud-Native SaaS Lending Platforms

Abrigo · Austin, TX

Community banks under $10B that need integrated commercial loan origination with credit risk analytics and BSA/AML compliance

Baker Hill · Carmel, IN

Community banks and credit unions ($500M–$10B) that want a single SaaS platform spanning commercial, consumer, and SBA lending with built-in analytics

Blue Sage Solutions · Englewood Cliffs, NJ

Mid-to-large mortgage lenders ($1B+ volume) that need a 100% cloud-native, multi-channel LOS with deep automation and open API architecture

Built Technologies · Nashville, TN

Lenders that want one construction finance layer for draw administration, inspections, payments, and CRE workflow without pretending it is a full bank-wide LOS

Byte Software · Kirkland, WA

Community banks and mid-size lenders who want Encompass-level capability at a lower price point with more customization control

ICE Mortgage Technology · Pleasanton, CA

Mid-to-large mortgage lenders who need deep compliance automation and a vast partner ecosystem

Jack Henry & Associates · Monett, MO

Community and regional banks ($300M–$15B) on Jack Henry cores that want a single, integrated loan origination platform for consumer and commercial lending

MeridianLink, Inc. · Irvine, CA

Banks and credit unions ($100M–$50B) that need a configurable consumer LOS with 1,000+ configuration points, robust decisioning, and broad loan-type coverage across auto, personal, cards, and HELOC

MeridianLink, Inc. · Irvine, CA

Credit unions and community banks that want a streamlined, cloud-native mortgage LOS tightly integrated with MeridianLink's consumer lending and account-opening products

nCino, Inc. · Wilmington, NC

Community and regional banks that want a single platform for commercial, consumer, and mortgage lending with strong CRM integration

Origence · Irvine, CA

Credit unions of all sizes that want a configurable, credit-union-specific LOS with strong auto lending, consumer decisioning, and Experian PowerCurve integration

ABLE / RnDPoint · Tallinn,

Small-to-mid banks and digital lenders that want a highly configurable, modular LOS with sophisticated decision engine and source-code access for licensees

Aloan Inc. · Houston, TX

Community and regional banks, credit unions, and CDFIs that want AI-native commercial loan origination: spreading, risk detection, and credit memos with a full source-document audit trail, whether as a standalone LOS or layered on the system they already run

Wizni, Inc. · San Ramon, CA

Brokers who want LOS, POS, product & pricing engine, and lender marketplace all in one integrated platform

Backbase · Amsterdam, NL

Institutions whose problem is the borrower-facing journey and channel experience rather than the credit engine behind it

Biz2Credit · New York, NY

Institutions where SBA 7(a), 504, and Express are a real operating program rather than a side product, and partner or affiliate origination models matter

Blend Labs, Inc. · Novato, CA

Mid-to-large banks and growing lenders that prioritize borrower experience and want a cloud-native digital lending platform with strong API extensibility

Calyx Software · San Jose, CA

Small mortgage brokers and independent loan officers who need an affordable, straightforward LOS without enterprise complexity

Coviance · West Des Moines, IA

Banks and credit unions that want to automate HELOC and home-equity workflows without forcing every loan through a full mortgage LOS

defi SOLUTIONS · Westlake, TX

Auto lenders who need a purpose-built origination and servicing platform for indirect dealer networks and consumer-direct channels

DigiFi, Inc. · New York, NY

Lenders who want an API-first, no-code decision engine with full loan origination capabilities

DownHome Solutions · Seattle, WA

Loan funds whose hardest recurring problem is CDFI Fund TLR reporting and multi-fund tracking rather than credit analysis depth

Finastra · London, England

Regional-to-large banks ($5B+) that need a broad commercial credit platform supporting term loans, SBA, equipment finance, CRE, and multi-currency transactions

Finastra · London, England

Community banks and credit unions ($200M–$5B) that need an affordable, proven mortgage LOS with strong compliance and 100+ pre-built vendor integrations

FIS (Fidelity National Information Services) · Jacksonville, FL

Mid-to-enterprise banks ($5B+) that need a highly configurable commercial LOS with digital borrower experience, risk analysis, and profitability optimization

Fiserv · Milwaukee, WI

Institutions on Fiserv cores (DNA, Premier, Precision) that want native lending integration without third-party middleware

CloudMyBiz · Sherman Oaks, CA

CDFIs and other lenders that want a Salesforce-based system spanning origination, underwriting, servicing, and reporting

CSI (Computer Services, Inc.) · O'Fallon, MO

Community banks that want one system for all loan types instead of stitching together separate commercial, consumer, and mortgage tools

HES FinTech · Vilnius,

Small-to-mid lenders and specialty finance companies that need a modular, configurable lending platform with AI-driven decisioning and a no-code BPM engine

Hitch, Inc. · New York, NY

Wholesale and specialty mortgage lenders that want a white-label HELOC and home-equity workflow with broker-facing distribution

Land Gorilla, Inc. · San Luis Obispo, CA

Lenders whose construction pain is the draw cycle itself: budget control, inspection turn times, lien risk, and disbursement

Sigma Infosolutions · Irvine, CA

Startup-to-midsize fintech lenders and alternative lending platforms that need a highly configurable, API-first LOS with 90+ integrations (per LendFoundry) and strong decisioning

LendingPad · McLean, VA

Growing mortgage operations (50–1,000 loans/year) that want a modern, cloud-native LOS with strong multi-user collaboration

LendingWise · Miami, FL

Small-to-mid private and CRE lenders that want an all-in-one CRM + LOS + pricing + servicing platform for fix-and-flip, rental, CRE, and SBA lending

Liquid Logics · Lee's Summit, MO

Small-to-mid private lenders that need a comprehensive cloud-based platform covering origination, underwriting, docs, servicing, and investor management with rules and AI features

LoanPro · Farmington, UT

Fintechs and banks that need composable, API-first lending infrastructure spanning origination through servicing

Moody's Analytics · New York, NY

Mid-market and enterprise lenders that want financial spreading and risk rating tied to Moody's proprietary credit models across complex corporate borrower hierarchies

Moody's · Boston, MA

Community and regional banks ($500M–$50B) that want to digitize business banking origination with automated data gathering, spreading, scoring, and document preparation

Mortgage Automator · Toronto, ON

Small-to-mid private lenders in the U.S. and Canada that want end-to-end origination and servicing with auto-generated documents, borrower portals, and investor management

PartnerOne · Denver, CO

Enterprise mortgage lenders needing end-to-end origination with two deployment tiers (Enterprise and Essentials)

Northteq, LLC · Minneapolis, MN

Independent equipment lessors that want a modern, Salesforce-native origination system with vendor and borrower portals rather than an enterprise lease platform

Nortridge Software LLC · Foothill Ranch, CA

Lenders whose difficulty is servicing complexity, including revolving and installment structures on one platform, rather than front-end origination alone

Odessa Technologies, Inc. · Philadelphia, PA

Lessors that need one platform for the full lease and loan lifecycle, from origination through asset management, termination, and remarketing

MeridianLink · West Palm Beach, FL

Small-to-mid depositories and mortgage lenders that want a 100% browser-based, multi-channel mortgage platform combining POS, LOS, PPE, and BI in one system

Solifi · Minneapolis, MN

Secured finance firms that want equipment, working capital, wholesale, or automotive finance on one cloud platform rather than a separate system per asset class

Arcadea Group · Minneapolis, MN

SBA lenders and LSPs that want the program mechanics automated end to end, from eligibility and packaging through E-Tran submission, closing, and disbursement

Applied Business Software · Huntington Beach, CA

Small-to-mid private and hard money lenders that need integrated origination, servicing, and investor management on a single platform

TurnKey Lender · Austin, TX

Small-to-mid banks and fintech lenders that want AI-powered decisioning automating up to 90% of credit decisions with end-to-end origination, servicing, and collections

Wolters Kluwer · Minneapolis, MN

Community banks and credit unions that need a compliance-first lending platform with automated document generation, multi-product loan processing, and deep core banking integration

Zeitro · Cupertino, CA

Solo originators, brokers, and small teams that want an AI-driven mortgage LOS supporting agency, FHA/VA, Non-QM, DSCR, and hard money products

Zoot Enterprises · Bozeman, MT

Issuers whose constraint is decision speed and data orchestration at application, particularly in credit card and retail credit programs

BeSmartee · San Juan Capistrano, CA

Lenders that want a specialized, embeddable tool to automate spreading of tax returns and financial statements, used alongside a full LOS or credit platform

Elsker Inc. · New York, NY

Credit unions ready to replace legacy LOS with an AI-native platform that automates underwriting decisions, document review, and borrower communications — with contractual performance guarantees and flat annual pricing