BHG Financial is automating its lending process with AI. 

The Fort Lauderdale, Fla.-based lender is using Lendflow’s new automation suite Lendflow Automate, Lendflow Chief Executive Jon Fry told FinAi News. 

With Lendflow Automate, BHG has automated manual tasks using the fintech’s AI agents, he said. Firming up an offer, which used to take 24 to 72 hours, now takes less than a minute. 

BHG is just one lender looking to AI to streamline lending. Existing Lendflow clients OnDeck and eCapital are exploring Lendflow Automate agents, Fry said. 

AI agents

Lendflow’s agents are designed to streamline manual processes that are still dominant in lending today, Fry said. “Despite how things look on the front end, there are a lot of humans in the loop,” he said.  

Automating those processes with AI will improve customer experiences and drive down the cost of capital for the lender, he said. “AI is an accelerator for automation.” 

Manual processes that Lendflow automates with agents include: 

• Customer outreach and prospecting; 

• Document categorization; 

• Document data extraction and transcription; 

• Accepting applications; 

• Scheduling meetings; 

• Renewal eligibility follow-ups; 

• Discovery calls; 

• Funding calls; and 

• Loan servicing calls for missed or late payments. 

Human in the loop

While AI agents can execute mundane tasks, the agents are not intended to fully replace the humans, Fry said. Rather than replacing people, agentic AI can free up employees for higher-value tasks like monitoring or auditing deals. 

“What [AI] really does, is make the team and the people that are processing the loans … a lot more efficient,” Fry said. 

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