Intelligent Decisioning for Consumer Installment Lending

Lower CPF.

Lower FPD.

Higher ROI.

With Lokyata’s complete loan decisioning and autofunding platform powered by intelligent lead screening, cash flow underwriting, and portfolio analytics.

Trusted in the industry · Integrated with your stack

THe problem

Lenders lose money in 3 big ways

Poor lead selection increases costs

Lenders have no effective way to assess applicant quality during lead purchase due to time constraints, limited available data, and a lack of tools to assess what actually drives performance. Identity, fraud risk, and repayment likelihood are unknown until underwriting — by which time the lead has already been purchased.

Manual cash flow analysis is limiting

Agent review is constrained by time and individual pattern recognition. No agent can process millions of borrower behaviors, transactions, and outcomes to inform a single decision. That ceiling limits both the accuracy of your approvals and the volume your team can handle.

Fragmented workflows make optimization hard

An incomplete view of the customer from Lead to Loan and Paid Off or Written Off. There is no continuous view of borrower behavior from lead selection through funding, repayment, and repeat eligibility. You cannot improve what you don’t measure.

Lokyata addresses all these problems

The solution

Lokyata’s Intelligent decisioning engine and workflow

Integrated Configurable Platform

Buy the right leads and identify the right borrowers using AI-enabled LeadBuy and Cash Flow Analysis, as well as continuous performance-based optimization – all within one integrated platform

Automated Intelligent Decisioning

Automate decisioning with auto-deny, auto-approve, and agent-supported review using lender-specific rules, 200+ borrower behavior signals, and proprietary cash flow analysis algorithms to automate decisioning

Disruption-Free Implementation

Start with the current underwriting workflow, introducing automation gradually, deploy LeadBuy, Post-LeadBuy, or the full workflow, and integrate with preferred LMS, IBV, CRAs, and fraud providers.

The platform

Why Lokyata

Pioneers in Data & AI-driven financial inclusion

Lokyata has been building and optimizing compliant, transparent, and data-driven AI models for small-dollar lending for nearly a decade.

10M+

loan applications processed per month

200X

faster decisioning compared to manual processing

240K

Lead to Loan datasets that inform our models

SOC-2 Type 2 certifications in all 5 areas: security, availability, confidentiality, processing integrity, and privacy

Testimonials

What our customers think of us

Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.

Chief Credit Officer

Texas-based lender

Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.

Chief Credit Officer

Texas-based lender

Boost your product and service's credibility by adding testimonials from your clients. People love recommendations so feedback from others who've tried it is invaluable.

Chief Credit Officer

Texas-based lender

See how Lokyata optimizes your portfolio

Book a 30-minute walk-through to learn more about the platform and see its capabilities in action.