Lonyst — AI-Native Risk Analysis

Contact Book a Demo Try it

AI-Native Risk Analysis platform with

Ranked Screening

Applicants · ranked by match

Applicant queue 248 in review today

112 strong match
94 needs review
42 weak fit

Every applicant, ranked high to low — the loan officer decides.

Auto-interview · configured to this bank

What's your average monthly revenue?

Around $48k, growing ~6% MoM.

How long have you been operating?

3 years, 7 employees.

A structured AI interviewer screens every SMB applicant.

Agent · parsing financials

Revenue high

Margin high

Working capital low

COGS 10% vs 20% cohort — flagged

Agents parse documents and score every number's confidence.

Cohort · similar businesses

risk peers cohort average risk +5%

Each business is benchmarked against its real peers.

Routing · with applicant consent

Applicantportal

Big Bank✕ Declined

Community Bank✓ Accepted

Declined? Forwarded to a lender whose criteria fit.

Founder Experience

What do we do?

Lonyst is AI screening infrastructure for lenders. We handle intake, risk analysis, and ranking so lending teams process more applications without adding headcount. We never lend — the loan officer always makes the final call.

Ranked applicant dashboard

Every applicant, ranked high to low with clear reasoning — the loan officer always makes the final call.

AI auto-interviewer

A structured chatbot configured to each bank's criteria screens every applicant into a standardized profile.

Agentic financial & document review

Agents parse financials in seconds, surfacing the metrics underwriters care about with confidence scores and flags.

Cohort risk analysis

Every business benchmarked against real peers, with fraud and reputation signals layered in. Outliers flagged.

Smart routing after a decline

With consent, declined applications are forwarded to lenders whose risk parameters fit — an opt-in pipeline.

Ongoing portfolio check-ins

Scheduled digital check-ins stream borrower health and early-warning alerts long after a loan closes.

Why Lonyst?

Our founders have competitive industry experience rivaled by no one in the same space.

Founders Experience