TulaCo partnered with OneRiver to design and develop a secure web-based platform that automates the processing and analysis of small business loan applications. Our team provided full product delivery, including architecture, development, quality assurance, DevOps, design, and security operations. The platform was built using a modern cloud architecture powered by React, TypeScript, Node.js, and AWS. It ingests loan application submissions and runs them through a multi-stage processing pipeline that performs data extraction, categorization, and enrichment. AI models powered by the OpenAI API are used to analyze incoming information, identify key business signals, and help structure financial data into standardized formats. The system also integrates external web search and data enrichment sources to gather additional context about applicants. To support underwriting workflows, the platform performs automated KYB (Know Your Business) checks and risk analysis while compiling the results into structured financial scorecards. These scorecards provide lending managers with a clear overview of each application, including financial indicators, risk signals, and supporting data points that help guide funding decisions.

The new platform significantly streamlined the loan evaluation process for OneRiver by automating large parts of the underwriting workflow. Instead of manually reviewing submissions and gathering external data, managers now receive structured financial scorecards generated by the system. This allows them to quickly assess each opportunity and focus their attention on the most promising applications. The AI-driven analysis and enrichment pipeline improved the consistency and speed of application reviews while reducing operational overhead. With the new platform in place, OneRiver can process a larger volume of applications, accelerate decision-making, and deliver funding to qualified businesses faster.