Purpose-built for Home Improvement Financing
Automated underwriting, configurable rules, and instant offers.
SOC II Certified
Smarter Loan Origination
Built for Modern Lenders
As a cloud-based platform designed for lenders and banks, Plat LOS seamlessly integrates with your existing underwriting process or can be used as a complete solution, reducing costs and enhancing efficiency.
Designed for Home Improvement Lending
Whether you finance roofing, HVAC, or other home services, our platform provides lenders and contractors with the tools to evaluate financing requests more efficiently, reduce costs, and improve the customer/applicant experience.
Contractors
Banks
Lenders
Secure and Compliant
Automated Underwriting
AI-Powered Verification
Configurable Decision Rules
Built to Go Beyond Traditional LOS Systems
Here are the key components of how Plat LOS works to deliver a seamless underwriting experience.
Faster Decisions with Real-time Data
Automated underwriting, configurable rules, and instant offers.
Operational Control
Dynamic workflows, merchant-level settings, staged funding, and audit trails.
Secure and Compliant
Strong authentication, data protection, and access controls.
01
Real-Time CLTV and Pricing Recalculation
Any change to property value or loan amount triggers an immediate re-computation of CLTV, APR, payment schedule, and risk tier, so figures are always current without manual effort.
02
Automated Metro 2 Bureau File Delivery
The system generates a compliant Metro2 file every night, transfers it securely via API or SFTP, and stores delivery receipts, keeping credit bureau reporting on autopilot.
03
Filter-Driven Offer Generation API
External platforms can pass complex filter arrays, including product, rate sheet, geography, dealer score, and more. The engine screens them within milliseconds and returns the loan programs while enforcing policy rules.
04
End-to-End PII Masking with Role Gating
Social Security, driver's license, and bank account data are automatically redacted in the UI, logs, and database for all users except those in admin roles, with full audit logging to ensure compliance.
Seamless Integration with External Systems for Real-Time Data Exchange
Everything You Need to Originate,
Approve, and Scale Loans
As a cloud-based platform designed for lenders and banks, Plat LOS seamlessly integrates with your existing underwriting process or can be used as a complete solution, reducing costs and enhancing efficiency.
Built specifically for home improvement verticals, not a generic LOS.
Real-time decisioning with configurable rules and custom rate cards.
Dynamic workflow engine across origination, review, stipulations, and funding.
Merchant-level settings, partner-level programs, multi-tenant controls.
Borrower and merchant portals, with email and notification templates.
Security features, two-factor authentication, role-based access, and logging.
Integrations include Plaid for income and bank data, data providers for property verification, e-signatures, and payment rails.
Scalable cloud hosting, reliability, and monitoring.
FAQ About Plat.AI
Plat.AI is a data analytics and modeling company. At Plat.AI, we offer both:
- Predictive Analytics Software: Model Building and Deployment Platforms as SAAS. A fully operational AI software that creates real-time models, estimates outcomes based on your uploaded data, and offers seamless integration with your current system.
- Custom Modeling Solutions. Our team of data scientists will build and deploy a predictive model tailored to the needs of your business, using ML and DL algorithms for real-time predictions.
Plat.AI is your reliable partner for building AI decision-making pipelines.
Data analysts use Plat.AI’s predictive analytics software to identify informative patterns in datasets, make forecasts about future events, evaluate business risks, and explore opportunities.
Yes, a free 14-day trial of Plat.AI’s model-building platform, with 10,000 model requests, is available. Follow this link to register and access your free trial.
Depending on your business needs, you may opt for Plat.AI’s platform-based solution or the custom modeling service.
Model Building and Deployment Platform as a SAAS
- If you are looking for a data-driven solution with the shortest time to market.
- If you are looking for a cost-efficient solution.
- If your business problem is defined and common.
Custom Predictive Modeling Solutions
- If your business has an unusual situation or has not yet been defined.
- This option may take longer, but it is a more personalized, data-driven solution.
If you still wonder which solution is best for your business needs, please contact us. Our experts are there to answer your questions, discuss your situation, and help you choose the AI strategy that best suits your needs.
If you have data and need an automated decision-making process in a real-time space, you can use Plat.AI’s software to process your data in an affordable and efficient way.
Follow this link to register and access your free trial
Plat.AI’s custom and platform-based solutions come with the following benefits:
- Easy API integrations with your current system(s).
- Straightforward and reasonable pricing.
- Real-time model monitoring.
- Ideal for users with limited coding experience
- Affordable compared to currently available tools
- Access to training guides to help you maximize the software’s functionality
- Professional consulting and 24/7 support for technical difficulties
- Real-time predictions and decisions in less than a second
- Quick results and model performance monitoring
- Fully interpretable results
- Sophisticated monitoring tools
We are swift, efficient, and secure. At Plat.AI, we work hard to enhance your team’s analytical capabilities and provide you with our best-in-class AI solutions.
No. Plat.AI’s automated model-building software can be used by anyone regardless of their level of experience.