Powerful Automated Decision Engine

Make instant, high-performing credit decisions while
effortlessly iterating on credit models & workflows to drive deeper portfolio profitability
Book A Demo
Customers Looking at Buying a CouchLoan Origination System

The Brains Behind
High Performance
Loan Portfolios

PayPlan’s next generation automated decisive engine is built for one purpose - to help lenders grow their portfolios and expand their profit margins. It accomplishes this by automatically making high-performing credit decisions informed by potentially millions of data points, eliminating human error, driving down fraud, and offering lenders ultimate flexibility in how they manage their risk, decisioning, and credit product.
Powerful Integrations
Powerful Integrations

The Brains Behind
High Performance
Loan Portfolios

PayPlan’s next generation automated decision engine is built for one purpose - to help lenders grow their portfolios while expanding their profit margins. It accomplishes this by automatically making high-performing credit decisions informed by potentially millions of data points, eliminating human error, driving down fraud, and offering lenders ultimate flexibility in how they manage their risk, decisioning, and credit product.

PayPlan Decision Engine Features

The PayPlan Decision Engine's robust feature set has been carefully designed by industry experts who have personally built and managed large, profitable loan portfolios.
Reduce Development Costs

Instant Credit Decisions

PayPlan’s configurable decision engine is capable of delivering instant underwriting decisions based on even the most complex risk models and workflows, allowing you to scale profitable decision making like never before.
Instant Loan Processing 

Effortless Iteration

Test new credit models and decision workflows without code, development time, or months of effort. PayPlan’s effortless configurations allow you to launch, review, and scale new models and workflows quickly, and with confidence.
Fraud Reduction 

More Profitable Lending Decision

Optimize your pricing and offer acceptance while simultaneously reducing fraud and default by using PayPlans instant, intelligent decision engine. Real-time access to portfolio data allows you to quickly identify opportunities and capitalize on the fly.
Improved Profitability 

Seamless Workflow Orchestration

PayPlan’s decision engine architecture is capable of delivering instant, accurate decisions using even the most complex workflows. Gain even more control of your lending business
by orchestrating, analyzing, and optimizing workflows in
real-time.
Reduce Labor & Human Error 

Robust Data Integrations

Power your workflows and credit decisions using limitless data points from world-class traditional data sources as well as new, and excotic data sources which can enrich your decisioning to optimize pricing and offer acceptance while simultaneously reducing fraud and defaults.
No-Code Underwriting

Fraud Prevention

Blend real-time data from credit bureaus, banking systems, alternative data providers, and advanced identity verification services in order to dramatically reduce instances of fraud while funding loans with confidence.
Automated Underwriting

Instant Credit Decisions

PayPlan’s configurable decision engine is capable of delivering instant underwriting decisions based on even the most complex risk models and workflows, allowing you to scale profitable decision making like never before.
Real Time Payments

Effortless Iteration

Test new credit models and decision workflows without code, development time, or months of effort. PayPlan’s effortless configurations allow you to launch, review, and scale new models and workflows quickly, and with confidence.
Automated Decisioning

More Profitable Lending Decision

Optimize your pricing and offer acceptance while simultaneously reducing fraud and default by using PayPlans instant, intelligent decision engine. Real-time access to portfolio data allows you to quickly identify opportunities and capitalize on the fly.
Custom Loan Apps

Seamless Workflow Orchestration

PayPlan’s decision engine architecture is capable of delivering instant, accurate decisions using even the most complex workflows. Gain even more control of your lending business
by orchestrating, analyzing, and optimizing workflows in
real-time.
Automated Servicing

Robust Data Integrations

Power your workflows and credit decisions using limitless data points from world-class traditional data sources as well as new, and excotic data sources which can enrich your decisioning to optimize pricing and offer acceptance while simultaneously reducing fraud and defaults.
Document Management

Fraud Prevention

Blend real-time data from credit bureaus, banking systems, alternative data providers, and advanced identity verification services in order to dramatically reduce instances of fraud while funding loans with confidence.

Decision Engine Components

Built from the ground up by lending industry experts, each component of the PayPlan
Decision engine delivers best-in-class value. Combined, they make it easier than ever to run a thriving lending business.

Credit Decision Model

Use best-in-class default credit models with PayPlan or deploy your own models to drive efficient credit decisions.

Exotic Data

Enrich your decisions using non-traditional data to expand your customer base, optimize pricing, generate unique offers, and reduce credit risk.

Decision Workflow

Turn complex underwriting processes into easy-to-manage workflows or use powerful templates to drive decisions.

Fraud Detection

Identify and reduce fraud by analyzing millions of data points and deploying advanced identity verification technology.

Traditional Data

Power decisions using on-demand data from credit bureaus, banking systems, and other traditional underwriting data providers

Loan Product

Configure custom loan product or use PayPlan defaults to make instant offers driven by your credit model, workflows, and underwriting data, all while automatically optimizing pricing and acceptance.

Decision Engine Benefits

Dynamic Underwriting Rules
Reduce manual labor by 90% 
Increase Loan Volume
Reduce Fraud & Defaults
Seamlessly Integrate with 3rd Party Platforms
Improve Portfolio Profitability
Reduce the cost of funding loans
PayPlan Logo

End-to-End Lending Platform

PayPlan is the Business Warrior flagship product - an end-to-end lending platform built for one purpose - to make lenders more profitable. It’s a completely transformative solution built by industry experts and designed to simplify, optimize, and improve every aspect of a lending business, from acquisition to application to decisioning to loan management to servicing.
Loan Origination

Loan Origination System

Loan Origination System

Become best in market with an all digital origination platform that verifies borrowers, connects to open banking and has both automatic and manual offer generation, shaped perfectly for your lending business.
Learn More
Decision Engine

Decision Engine

Decision Engine

Turn hours into seconds with automated decision making, reducing fraud, generating profitable offers and allowing no code customization to your underwriting waterfall.
Learn More
Loan Management

Loan Management System

Loan Management System

Use powerful loan management tools to reduce manual processes, gain deeper insights into portfolio performance, streamline operations, and manage reporting with robust loan management tools.
Learn More
Loan Servicing

Loan Servicing

Loan Servicing

Improve payment rates and reduce manual labor by streamlining operations and workflows. Benefit from seamless automation that increases collections efficiency, provides real-time portfolio insights, and enhances your overall financial performance.
Learn More
Woman on Laptop

FAQs

How Does The Automated Decision Engine Affect My Process?
How Does PayPlan Automate Credit Decisioning?
Can I Integrate PayPlan Decision Engine With My Other Tools?
What Kinds of Underwriting and Offers are Available in PayPlan?
Do I Need My Own Credit Decision Model?
How Long Does It Take to Change My Decision Model or Workflow?

Related Content

Decision Engine
This is some text inside of a div block.

Understanding the Components of an Automated Decision Engine

Lenders need tools to assess risk, process applications, and efficiently provide approvals. Enter the automated decision engine—a technological solution that leverages advanced data and analytics to streamline the lending process. By automating critical steps, this tool ensures consistent, data-driven decisions at every stage.
Read More
Decision Engine
This is some text inside of a div block.

Key Components of an Effective Automated Lending Platform

This time on the PayPlan blog, we’ll explore the key components that make an automated lending platform both effective and efficient, helping lenders stay competitive in today’s fast-paced financial landscape.‍
Read More
Decision Engine
This is some text inside of a div block.

What is Underwriting in 2024?

Dig deep into underwriting in 2024 and how it has evolved. We will be focusing specifically on the technological, regulatory, and operational shifts that are redefining the industry.
Read More
Business Warrior
PayPlan
Decision Engine
Loan Origination
Loan Management
Lease-To-Own
About Us
Mission
Values
Founders
Culture
Blog
Recent
Categories
Investors
Highlights & History
Stock Chart
Mosts Recent Quarter
Most Recent Annual
More
Privacy Policy
Terms of Use
Book A Demo
Support
Legal/SLA
Sales
Customer Support
PayPlan
Services
About
Blog
Investors
More
Support
Linkedin
tweet
youtube
© 2024 Business Warrior. All rights reserved