EARLY DESIGN PARTNER PROGRAM

Stop finding payment breaks after the fact.

Stop finding payment breaks after the fact.

Continuously monitor payments across processing, posting, and settlement—identifying missing, incorrect, returned, or mismatched events before they become operational problems.

CONTINUOUS PAYMENT INTEGRITY — VISION

Payment processed

Processor verified

Borrower credited

Loan system verified

Funds settled

Bank verified

Every payment. Every system.

Continuously verified

WORKING WITH EARLY DESIGN PARTNERS

Help us build the reconciliation system you wish you already had.

We’re working with a small number of organizations navigating reconciliation complexity across multiple systems. Design partners work directly with our founding team to map how individual payments are processed, posted to the right borrower or account, and received as funds. Then help shape an initial solution around the exceptions that matter.

Map each payment lifecycle

Trace processing, borrower posting, settlement, and the handoffs between your current systems.

Expose integrity gaps

Focus on missing, delayed, duplicated, reversed, returned, or inconsistent events.

Shape the initial solution

Help ensure the product is grounded in operational reality, not assumptions.

THE RECONCILIATION GAP

Today, when payments don't match, the investigation begins.

A payment was processed, but was it posted to the borrower? Did the funds actually settle? Was it later returned or reversed?

Answering those questions can mean piecing together processor data, posting files, settlement batches, bank activity, and your loan system just to reconstruct what happened.

And often, you’re doing it only after an exception has already surfaced.

• Borrower calls because funds were debited but the payment did not post
• Your bank doesn't show funds your processor says were collected
• A return or reversal leaves your systems telling different stories

WHEN SYSTEMS DISAGREE

Payment Processor → Payment processed

Loan Management System → Borrower credited

Settlement / Bank → Funds received

Processed doesn't mean done.

ACH RETURN TRACE — RECOVERY VERIFIED

Payment #07241

$250.00 ACH

01 PAYMENT PROCESSED

ACH payment accepted by processor

VERIFIED

NEXT EXPECTED EVENT: BORROWER CREDIT

02 BORROWER CREDITED

$250 posted to borrower account

VERIFIED

EXCEPTION EVENT: ACH RETURN RECEIVED

03 ACH RETURNED

R01 — insufficient funds

ACTION

NEXT REQUIRED ACTION: REVERSE BORROWER POSTING

04 POSTING REMOVED

$250 successfully removed from borrower balance

VERIFIED

Return resolved: the borrower balance now matches the ACH outcome.

EVERY PAYMENT. EVERY SYSTEM. CONTINUOUSLY VERIFIED.

A reconciliation layer designed to verify the payment lifecycle at loan level. Not just compare batch totals later.

We’re building toward a continuously updated record for each payment: was it processed correctly, credited to the correct borrower or account for the correct amount, and received as funds in the corresponding settlement? When an expected event is missing, incorrect, delayed, duplicated, reversed, returned, or inconsistent with the other systems, the platform is designed to identify it as an exception for investigation.

HOW WE’LL WORK TOGETHER

From fragmented payment data to continuous lifecycle visibility.

01

Map the current workflow

Document the processor, loan-system, settlement, and exception workflows your team manages today.

02

Evaluate representative data

Review the events, identifiers, and timing used to determine whether each payment was processed, posted, and settled correctly.

03

Shape the initial solution

Shape an initial reconciliation and monitoring approach around the individual payment lifecycle questions that deserve a better operating model.

BUILT FOR PAYMENT OPERATIONS

For teams accountable for payment integrity across the borrower, the ledger, and the bank.

Consumer lenders

Loan servicers

Specialty finance companies

Payment & finance operations

DESIGN PARTNER CONVERSATIONS

Still finding payment problems only after reconciliation?

We’re looking for a small number of financial institutions willing to help us understand how they verify processing, borrower credit, and settlement today—and shape a better approach.

We’ll only use this information to follow up about a short, no-pressure conversation.

LoanRecon

Continuous payment integrity and reconciliation for financial operations.

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