Long-horizon AI agents for consumer lending operations.
From application to charge-off, one long-horizon agent per function runs consumer lending inside your loan origination and servicing systems. The origination and servicing agent carries each application from intake through verification and stipulation clearing to decision-ready; the collections and recovery agent works each delinquent account from triage through compliant outreach to resolution — runs that last hours or days, every action logged for audit.
One long-horizon agent per consumer lending function.
Each agent below owns every step of its function and runs uninterrupted for hours or days — inside your existing systems, until the work is finished and staged for human approval.
The origination & servicing agent
One agent takes each application end to end. It intakes across channels, extracts and classifies documents, verifies income and employment, clears stipulations and conditions, prepares adverse-action notices, and handles servicing requests with write-back — working the file continuously until it is decision-ready.
The collections & recovery agent
One agent works each delinquent account from first triage to resolution. It segments by risk and cure likelihood, runs compliant right-party-contact outreach within FDCPA / Reg F constraints, captures promise-to-pay and tracks follow-through, intakes hardship requests, handles disputes with citations to account history, and packages recoveries and charge-offs — a single run that can span days.
Workflows in consumer lending.
Every step below belongs to one agent's single continuous run — one long-horizon agent per function, working uninterrupted until the work is finished.
Origination & servicing workflows.
The origination and servicing agent intakes applications, verifies the borrower, clears conditions, and handles servicing requests inside your loan origination and servicing systems — every step below, one continuous run.
- 01Multi-channel application intake
- 02Document extraction & classification
- 03Income & employment verification
- 04Stipulation & condition clearing
- 05Adverse-action notice preparation
- 06Servicing request handling & write-back
Collections & recovery workflows.
The collections and recovery agent triages delinquency, runs compliant outreach, and packages recoveries — one agent working each account end to end, every contact governed by FDCPA / Reg F and logged for audit.
- 01Delinquency triage & risk segmentation
- 02Right-party-contact outreach (call / SMS / email)
- 03Promise-to-pay capture & follow-through tracking
- 04Hardship & loss-mitigation intake
- 05Payment plan & settlement preparation
- 06Dispute & complaint handling
- 07Recovery, repossession, and charge-off packaging
- 08Compliance guardrails on contact frequency & disclosures
How Layerup deploys here.
Operational details that matter when deploying long-horizon AI agents inside consumer lending operations.
- 01Personal loans, auto, point-of-sale, and revolving consumer credit supported.
- 02Works inside major loan origination and servicing platforms out of the box.
- 03Collections outreach governed by FDCPA / Reg F contact-frequency and disclosure rules, configurable per state.
- 04Approval gates configurable per balance, delinquency bucket, and workout type.
Explore other lines of business.
Layerup runs critical workflows across the insurance and financial services lines below.
Deploy long-horizon AI agents in your consumer lending operation.
Start with one function's agent. Prove the operational lift. Then expand by line of business or by department.