AI Solutions for Private Lenders - Tailored for You

We assemble plug-and-play AI components into a bespoke solution that:

Fits seamlessly into your existing LOS, spreadsheets or CRM.

Automates routine tasks, while your team retains every key decision and client touchpoint.

You win deals others can't. Your process is your advantage. Your technology should sharpen your edge, not dull it.

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It is About You

Before we start, we map your unique context.

Your specialty

RTL, DSCR or the full private-lending spectrum

Your team size

A lean, five-person machine or a 200-strong, process-driven org

Your stage

Early-year nimble or well-established and scaling

Your goals

Aggressive growth on the horizon or squeezing more efficiency from what you've built

Your tech stack

From Excel-only to off-the-shelf LOS or customized Salesforce/HubSpot

Once we've dialed in on your world, we deliver AI that:

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Drives Your Priority Metrics

Faster turn-times, fewer errors, sharper compliance

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Fits into Your Processes

No workflow interruptions—only higher throughput

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Integrates with Your Tech

Fits into your LOS, spreadsheets or CRM without rip-and-replace

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Does the Heavy Lifting

Aggressive growth on the horizon or squeezing more efficiency from what you've built

Let's Build Your AI Plan

Your Lending Lifecycle - Supercharged with AI

Fast, error-free borrower intake and seamless loan setup

Guiding brokers and applicants with a conversational AI agent that asks the right questions, captures every detail, and ensures complete, accurate applications — every time.

Empowering your team with an AI assistant that ingests forms and documents, cross-checks data points and flags inconsistencies—so you review only clean, validated files.

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Rapid, reliable underwriting with effortless compliance

An AI co-pilot that reviews every underwriting condition, highlights exceptions and delivers them to your team for swift sign-off—speeding approvals and catching every critical detail.

A tamper-proof audit trail that records every action and meets regulatory and investor reporting standards instantly.

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First-time-right closings with investor-ready packages

Auto-assemble closing documents, flag discrepancies—so every package sails through review on the first pass.

Bake sell-side and investor standards into your closing checklist, not as an afterthought, but as a built-in guarantee of completeness.

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Proactive loan servicing with transparent investor communications

AI-driven outreach delivers timely status updates and payment reminders—reducing delinquencies and keeping borrowers on track.

Real-time dashboards, portfolio Q&A and loan summaries—strengthening trust and simplifying your investor updates.

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Our Solution Framework

We translate your needs into a full spectrum AI solution through three pillars

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Technology

Plug-and-Play AI Modules

We select the exact accelerators you need—from document ingestion and conversational agents to risk analysis and reporting—and stitch them into a cohesive system.

End-to-End Orchestration

These modules work together seamlessly with your technology stack—powering your workflows without any rip-and-replace.

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User Experience Design

Human-in-the-Loop Decision-Making

We design our solution so that AI amplifies, not replaces, your expertise.

  • Use AI to handle repetitive, high-volume tasks like document extraction and validation.
  • Incorporate human reviews for all sensitive decisions, ensuring accountability and precision.
  • Provide detailed insights and recommendations while leaving the final call to your team.
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Development Approach

Incremental, Tailored Implementation

We tackle challenges in small, manageable sprints—delivering quick wins without disrupting your operations.

  • Focus on small, manageable implementations that yield quick wins.
  • Gradually expand capabilities to minimize risk and ensure adoption.
  • Incorporate real-time feedback from your team to refine features and maximize impact.

The Team

AI and technology experts meet Private Lending expertise

Vibhor Goel

Vibhor Goel
Co-Founder & CTO

25+ years crafting enterprise technology at Cisco and IBM. For the past five years, he's led AI solution rollouts—ensuring they deliver real ROI.

Aravindan RS

Aravindan RS
Co-Founder & COO

Three decades of core software engineering, designing business-ready, maintainable systems at scale. Architected Nokia's key telecom back-end systems.

Gagan Josan

Gagan Josan
Co-Founder & CEO

Product leader at Amazon and Nokia turned entrepreneur. Value AI Labs is his second venture. Has a knack for linking business needs to technology execution.

Rob Spellman

Rob Spellman
Principal Consultant

A veteran in mortgage tech. ex-Home Point Financial (Chief Risk Officer), Flagstar, Indymac, Fannie Mae. Implemented systems for Retail and Wholesale Mortgage Banking.

From Our Blog

Insights at the intersection of AI, data, and decision-making.