Lending, Reinvented

Canopy serves as the comprehensive post-origination ledger where modern lending comes to life. At its core, Canopy empowers financial institutions to build, launch, and scale virtually any lending product—from traditional credit cards and term loans to innovative financing structures that defy conventional categories.

What You Can Build

The platform excels at managing both line of credit products (like credit cards, operational lines, and merchant cash advances) and installment offerings (including term loans and custom payment plans). Whether you're launching a traditional credit card program, implementing a business line of credit, or creating an entirely new lending model, Canopy provides the infrastructure to bring your vision to market quickly and scale it efficiently.

Building Blocks for Innovation

What truly sets Canopy apart is its building-block approach to financial product creation. Much like Lego pieces that combine to form limitless structures, Canopy's fundamental primitives can be assembled in countless configurations:

• Modular Components: Accounts, transactions, borrowers, and policies work together as configurable building blocks
• Sophisticated Processes: Our payment pouring algorithm, retroactivity engine, and event processing systems handle complex financial operations
• Flexible Workflows: Automate critical lending processes while maintaining compliance and audit trails

Secured Lending Capabilities

Canopy provides robust support for secured lending through sophisticated collateral tracking and management. The platform maintains real-time visibility into collateral values, automates margin requirements, and supports complex multi-collateral structures—all within the same system that manages your core lending operations.

This architectural flexibility positions Canopy as more than just a servicing platform—it's a canvas for financial innovation. While the system readily handles today's common lending products with battle-tested reliability, its true potential emerges when lenders leverage these foundational elements to create what hasn't yet been imagined.

By abstracting complex financial operations into configurable components, Canopy removes the technical constraints that have historically limited product innovation, allowing lenders to transform conceptual financial products into operational realities without rebuilding core infrastructure.