The Future of Lending

Traditional Loan Management Systems (LMS) impose rigid structures, limiting innovation and forcing lenders to conform to pre-built rules. Canopy takes a fundamentally different approach—we provide a modular, API-first platform that allows you to construct lending programs exactly as you envision them. Whether you're rethinking credit cards, designing new embedded finance solutions, or launching dynamic loan products, Canopy gives you the building blocks to make it happen.

The Core Building Blocks of Canopy

At its foundation, Canopy operates like financial LEGOs—highly configurable, composable components that let you build custom lending architectures without constraints. These include (non-exhaustive):

Policies & Templates

Lending products are not just collections of features—they are rule-driven systems. Canopy provides:

• Policies, which define interest rates, repayment rules, and credit limits
• Templates, which bundle policies together to create unique lending products
• Customizability, allowing lenders to tweak parameters for each borrower segment

Accounts: The Foundation of Every Lending Product

At the core of Canopy is the account, which represents a borrower’s financial relationship. Accounts are designed to be fluid and adaptable, capable of supporting any lending product:

Draws: Structuring How Funds Are Accessed

Traditional LMS platforms force rigid borrowing mechanics, but Canopy allows unlimited flexibility in how funds are accessed:

• Fixed or dynamic draw schedules based on borrower needs
• Multiple outstanding draws, each with unique repayment logic
• Event-triggered draws, such as milestone-based funding

With Canopy, you define how credit flows, rather than being locked into a predefined framework.

Transactions and Balances: Real-time tracking of every movement

All financial activity in Canopy is recorded as a transaction, making reconciliation, audits, and real-time insights seamless. Balances are granular and precise for every financial movement. This ensures ledger-backed transparency for complete visibility.

Payment pouring and retroactivity: Full control over payment allocation and adjustments/replays for ultimate accuracy

With Canopy's payment pouring algorithm, lenders decide exactly how payments apply. Whether that's targeting and prioritizing high-APR balances, to ordering by type, age or any number of custom allocation rules, Canopy let's lenders control every cent.

And if there ever is a case where a transaction needs to retroactively applied or removed, in cases like reversals, disputes, our retroactive engine never leaves gaps in financial tracking. Lender's can correct mistakes and reprocess transactions without data loss or workarounds.

Notifications: Integration between Canopy & lenders

Canopy keeps lenders fully informed with event-driven notifications. From webhooks to emails, this is how lenders stay in sync with every loan, line, and transaction--in real time.

What Canopy Enables That Others Can’t

🛠️ Build Without Constraints

With API-first flexibility, you can construct entirely new financial products—whether launching a BNPL program, embedded finance, or custom credit experiences.

⚡ Move at the Speed of Innovation

Canopy eliminates the months-long timelines required to customize legacy LMS platforms. Instead, build and iterate in days, not quarters.

🔗 Bridge Lending & Embedded Finance

Canopy seamlessly integrates with payment rails, banking APIs, and third-party ecosystems, enabling true embedded finance without re-architecting your systems.

🚀 Future-Proof Any Lending Model

Instead of adjusting your business to fit an LMS, Canopy ensures your LMS fits your business—today, tomorrow, and for any new financial model you envision.

Realize Any Lending Possibility with Canopy

The future of lending isn’t built on rigid structures—it’s built on composable, adaptable, and modular components that allow financial products to evolve alongside market needs.

With Canopy, you’re not just managing loans—you’re engineering the next generation of lending experiences.

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