The loan origination system where
loan officers
and AI agents
work together

Sphera Credit is a loan origination system where lenders build, test and deploy AI to expand team capacity without adding headcount.

Lending doesn't have to be stuck in the past

AI has changed how much work a lending team can absorb, with no change to its size. A loan origination system should carry you into that shift instead of anchoring you to the way things were.

What if everyone on your team had AI agents working with them?

Agents run the back-and-forth with borrowers over email, text and phone, then keep going from there: reading documents, searching the web, drafting the credit memo. Your team supervises that work instead of doing it.

Integrating AI into your workflows lets you become more competitive

With AI agents working alongside each of your team members, your people have more time to build stronger relationships with clients and to raise the standard of service those clients receive.

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Build, test and deploy AI with AI Agent Studio

The Sphera AI Agent Studio is where lenders can build, test and deploy AI agents in their workflows.

Configure prompts, custom knowledge and triggers for your AI agents. Build evaluations to assess your AI agents' performance before deploying them in real workflows.

See how AI Agent Studio works

Modern Borrower Portal

Offer a seamless experience to your customers through a white-labeled portal that is easy to interact with, yet handles your most complex files.

Tailor the journey to each product and segment, with your own logic and rules so you never ask for a field you do not need. A loan application AI assistant guides every borrower, answers questions around the clock, reads documents as they come in and flags anything missing.

Automate decisions at scale

Build your decision logic visually, with deterministic rules in a low-code builder that lets your team make changes without writing code.

Model how changes to your decision logic will perform against historical data before they go live. Experiment with multiple versions of a decision flow to identify the best-performing variant.

Increase processing capacity

Sphera's processing technology reads every document, extracts data points, calculates ratios and flags inconsistencies.

Ask questions about a loan file in plain language. AI processes it and returns answers with direct citations, so every output is grounded in the file itself.

Automate the document back-and-forth

Sphera AI agents cover every channel a borrower uses. When a document arrives by email, text or WhatsApp, the agent reads it and drafts the response that goes back.

Choose what each agent handles alone and what it hands back for review. Taking this volume of routine follow-up off your team is what lets them originate more.

Connect every system you use

Your AI agents work and interact with the platforms and data providers your team already uses. They read data from those systems and update records in them, the same way a person on your team would.

Your team keeps the tools it knows and the processes built around them. What changes is how much of the work your team has to do by hand.