Audit before architecture
Three weeks mapping the domain, the real bottlenecks and the compliance obligations. We found 70% of the abandonment came from four form steps that could be pre-filled from data the business already had.
Fintech · 2025
Rebuilding a lending platform that was losing deals to its own load times
We replatformed a monolithic loan-origination system into a modular web platform with automated underwriting checks, cutting application time from 22 minutes to under 6.
7 months
Engagement length
9 specialists
Delivery team
-73%
Application completion time
+41%
Approved applications
The situation
What we walked into.
The client had grown to 60,000 monthly applicants on a PHP monolith deployed by hand every second Thursday. Underwriters worked from spreadsheets, applicants abandoned a 22-minute form, and a single database outage in Q1 had taken the product offline for eleven hours. Compliance had also flagged the absence of an audit trail ahead of a new lending licence application.
Client profile
Client
Series B lending marketplace
Industry
Fintech
Duration
7 months
Team
9 specialists
Approach
The decisions that mattered.
Not a chronology — the four calls that determined how the project turned out.
Strangler-fig migration
Rather than a rewrite, we put a Next.js front end and an API gateway in front of the monolith, then moved capabilities out one bounded context at a time — applications first, then underwriting, then servicing.
Decisioning as a service
A rules engine with versioned policies replaced spreadsheet underwriting, giving every decision a reproducible, timestamped audit record.
Platform rebuild
Terraform-managed infrastructure, blue-green deploys, read replicas and point-in-time recovery, with SLOs and paging that map to actual customer impact.
What we shipped
Delivered scope.
- Modular Next.js and NestJS platform behind an API gateway
- Versioned underwriting rules engine with full decision audit trail
- Document intake with automated extraction and validation
- Underwriter workspace replacing eleven spreadsheets
- Terraform infrastructure with blue-green deployment and tested DR
- Observability stack with SLOs, error budgets and on-call runbooks
Technology
Next.jsNestJSPostgreSQLRedisTerraformAWSGitHub ActionsDatadog
Results
What changed for the business.
-73%
Time to complete an application
+41%
Applications reaching approval
-68%
Underwriter hours per case
99.98%
Platform availability post-launch
- Lending licence application passed technical and audit review on the first submission.
- Release cadence moved from fortnightly manual deploys to eleven production releases a week.
- Infrastructure cost per application fell 38% despite a 60% rise in volume.
They refused to sell us the rewrite we asked for and gave us a migration plan instead. Eleven months later we are running the business on it, and nobody dreads Thursdays.
Series B lending marketplace
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