Lendflow Launches Lendflow Automate to Transform Lending Operations with AI-Powered Agents

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Lendflow, a leader in embedded lending infrastructure, announced the official launch of Lendflow Automate, a suite of AI-powered agents designed to optimize workforce efficiency and transform how lending operations are executed.

The announcement was made at Ai4, America’s largest AI event. Lendflow founder and CEO, Jon Fry, will join leaders from Chime, Mastercard, and Deloitte for a live panel, “Leveraging AI to Drive Value,” on August 12 at the event.

By combining automation with advanced AI, Lendflow Automate provides partners with an always-on, digital workforce to streamline operations, lower costs, and accelerate decision-making, helping them “do more with less.”

“Lendflow Automate is about enabling scale without the growing pains,” said Fry. “These AI agents operate like high-performing assistants to your top team members. Automate will make teams more productive with agents that are highly specialized and built to move deals forward - augmenting teams and making them more productive.”

At the heart of this initiative is a new class of AI Operational Agents that engage with customers across voice, text, email, and chat. It provides lenders with a fully autonomous, 24/7 digital workforce that maximizes conversion, accelerates time-to-funding, and reduces cost per lead. Lendflow has also integrated these tools internally to optimize team communications, currently saving over 500 hours of talk-time per week.

Many of Lendflow’s customers have already adopted Lendflow Automate, and have been able to increase conversions while simultaneously lowering costs.

Always-On Engagement: Lendflow’s AI Operational Agents

Lendflow’s communication-focused agents are configurable, multi-channel, and designed to support every stage of the lending lifecycle. Each agent follows a precise cadence of outreach using voice calls, SMS, and email to increase applicant engagement, reduce drop-off, and re-engage dormant leads. What truly sets these agents apart is their evolving nature: with every interaction, they absorb new insights and refine their behavior. This continual learning loop fuels more accurate context handling and sharpens their responsiveness.

Key agents include:

• Application Walkthrough Assistant
  Reconnects with users who abandoned applications to help them complete the process, upload documents, and answer questions.

• Schedule Meeting Assistant
  Schedules meetings between applicants and funding managers via a mix of personalized voice calls, emails, and text messages engaging users 47 times across 8 days.

• Document Collection Assistant
  Collects required documentation from applicants with consistent, supportive communication ensuring nothing slips through the cracks.

• Dead Deal Assistant
  Revives declined or inactive applicants with a long-term strategy to keep funding opportunities alive.

• Renewal Outreach Assistant
  Proactively reconnects with funded merchants to explore add-on deals or new financing - executing a year-long, personalized follow-up strategy.

These agents operate autonomously, scale infinitely, and free up human teams to focus on higher-value work - delivering real operational ROI for lenders and fintech partners.

Supporting Agents for Data & Risk Intelligence

In addition to its communication suite, Lendflow Automate includes several specialized AI agents to handle classification, document processing, and risk scoring:

• Industry Map Agent
  Instantly classifies businesses with accurate NAICS and SIC codes to streamline risk segmentation. It supports bulk uploads and has delivered up to 100% accuracy for lenders.

• Doc Analyzer
  Extracts structured data from financial documents - like bank statements, debt forms and tax returns - cutting manual effort by up to 70%, removing errors and accelerating underwriting.

• Inbox Automation Agent
  With a hosted inbox, AI will automatically identify email senders, classify emails, download attachments, create deals and remove manual workflows.

Lendflow Automate: AI-Powered Workforce Optimization

With more than 50 context-aware AI agents in production, Lendflow Automate serves as an intelligent execution layer that removes manual bottlenecks and drives operational efficiency at scale. Each agent is purpose-built to deliver real business outcomes from faster time-to-close to lower operational costs.