Operating System

Your lending operating system, built around you.

Online application, scoring and collection in one configurable, turnkey system — the services you need plugged in over API, and your own lending embeddable anywhere.

app.sylvent.ai
Sylvent — Lending Operating System dashboard
The problem

Building it custom takes years and a fortune.

Institutions stitch together dozens of separate tools — slow to run, expensive to license, and painful to change.

Years to build

Building or modernizing a custom lending system takes 6–36 months and large teams.

A stack of vendors

One tool per step — application, scoring, collection — and none of them connected.

Cost that balloons

Licenses, integrations and headcount stack up long before anything ships.

One system

Configured to what you actually need.

One platform where everything is visible and configurable. Use the modules you need, connect the services you already use over API — or expose your own.

01

Online application

Hosted, white-label onboarding and origination.

Online application
02

Scoring

Built-in scoring, configurable to your policy and segments.

Scoring
03

Online collection

Servicing and collections, fully digital and tracked.

Online collection
04

Custom modules

Tailor the flow, fields and rules to your product.

Custom modules
05

Connect any service

Plug in the vendors you use through one API.

Connect any service
06

Your own API

Expose your endpoints — pass data both ways.

POST /v1/applications
{
  "borrower": "MX-RFC-…",
  "amount": 250000,
  "term_months": 12
}

→ 200 OK
{ "decision": "approved",
  "score": 0.91 }

Scoring built in, tuned to your policy.

Every application is scored inside the system — no separate vendor, no hand-off. Configure the model to your policy, segments and risk appetite.

Each decision is explainable: the factors and weights that drove the score sit right next to it, ready for review and audit.

Configurable

Tune thresholds, weights and policy per segment.

Explainable

Every score traces to the factors behind it.

scoring.policy.ts
score.configure({
segment: "SMB",
approve_above: 0.62,
weights: {
cashflow: 0.26,
tax: 0.21,
reputation: 0.17,
documents: 0.14,
}
})
P(credit) 0.91✓ approved · explainable
Embedded distribution

Lend anywhere, without sending users away.

Embed your whole lending flow into a partner’s product — through an online pop-up or API — so borrowers never leave the page. Data passes between systems automatically. It’s a new distribution channel, and extra monetization for B2B platforms.

Book a demo
partner-app.com
Sylvent lending embedded in a partner's product
The result

Weeks, not years.

How we work
  1. 01

    Onboarding

    We map your product, policy, segments and goals together.

  2. 02

    Scope & spec

    We turn it into a precise technical scope you sign off on.

  3. 03

    Implementation

    We configure, integrate and ship your system in weeks.

  4. 04

    Support & upgrades

    We run it with you — support, new modules and modernization.

Weeks

to launch your lending system — not the 6–36 months of building it custom.

Turnkey & custom

A system shaped to your product — without building it from scratch.

Everything in view

Application, scoring and collection in one place, fully visible.

Embeddable

Distribute through partners over pop-up or API for a new revenue channel.

One platform

Application, scoring, collection and distribution — all under one roof.

Talk to us

Stand up your lending system in weeks.

Tell us about your lending and we’ll set up a demo — your system, your modules, configured to your product.

  • Turnkey system, shaped to your product
  • Application · scoring · collection in one
  • Embeddable over pop-up or API