Practical AI for Private Lending

We build practical AI solutions that help private lenders move faster, grow smarter, and scale without chaos

Thoughtful, well-engineered AI that removes grind, reduces drag, and unlocks compounding leverage. Not to replace people, but to amplify what they do best.

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How We Got Here

We didn't start with a grand vision for private lending. We started with a customer.

This is our second startup, and we've approached it effectually: start with what we know, who we are, and the relationships we have. When one of our early customers happened to be in the private lending space, we went deep into the space and stayed.

What we found was a tech-underserved industry full of smart people doing complex work... manually.

That's where Value AI Labs began to take shape. A team that brings thoughtful, well-engineered AI to private lending. Not to replace people but to remove grind, reduce drag, and unlock compounding leverage.

What We Believe

Our core principles guide every decision we make and every solution we build.

Mindful Action

We don't rush to ship. We ask why, again and again, until we're sure we're solving the right problem. We don't just build what's asked. We surface the tradeoffs, share options, and help you make sharper decisions — even if that means doing less.

Simplicity is a Superpower

Banal is beautiful. Doing simple things well, repeatedly, is how excellence actually happens. We believe in elegant solutions that solve real problems without unnecessary complexity.

We Take Ownership

If it's on our plate, we own it. From design to delivery, and all the messy bits in between. Sometimes the best thing we can do is say: "Don't build this." And then explain why.

Intensity with Care

We work with intensity and care. We move fast. But we do it with love and gratitude. Because intensity without care burns people and outcomes.

How We Work

We don't pitch AI from the clouds. We start on the ground.

Start with One High-Leverage Use Case

We begin with one high-leverage use case, not a roadmap, not a platform vision. We ask: Where can we make a real dent in the next few weeks?

Design the Smallest Possible System

Then we design the smallest possible system that delivers value and leaves the door open for what's next.

Plug Into Your Stack

We plug into your stack — CRM, LOS, spreadsheets, phone calls — wherever the work actually happens. We build fast, test often, and improve without fanfare.

Treat Each Iteration as the Future

And we treat each iteration like a working version of the future, not a rough draft to be discarded. We don't chase perfection. We chase value.

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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.

Sreedevi Gattu

Sreedevi Gattu
Senior Architect

Software architect with over two decades of experience, spanning large-scale architecture design to delivering business value through AI/ML projects.

Frequently Asked Questions