Loans heading for a loss and why.
Every loan ranked by risk each night, with the reason beside it. Losses are cut by lender, industry, loan size and county.
For CDFIs, credit unions and banks
AI Portfolio Intelligence for Lending
Plyra brings a lender’s own loan data together with public records and runs on its own, showing where the risk is and what to do about it.
Last night
Sample portfolioLive
- resetearlier drafts cleared: 25 drafts, 0 decisions29
- simulate4,352 loans, 1,882 live; 74 records changed: 3 status moves, 5 missed payments, 1 claim paid74
- rank1,889 live loans ranked; 174 moved; 60 reasons written by the model, 0 refused1,889
- draft25 drafts waiting; 0 refused by the checks; eval 14 of 14 passed25
- files10 loan files checked; 0 documents read by the model, 44 already read; 15 open findings; 4 fixes waiting15
- fingerprintdigest 0xed6869e8 on Fuji, entry 19
- seal4,352 loans and 85 receipts sealed; portfolio root 0x7a39a82a on Fuji, entry 04,352
- Moved
- 174
- Reasons
- 60 written0 refused
- Drafts waiting
- 25
SealOn Avalanche Fuji
- Portfolio root
- 0x7a39a8…208d14
- Receipts root
- 0x64c3ee…3c571d
- Fuji transaction
- 0xf9bd7d…06c7ff
Plyra runs on Fuji today; mainnet is next.
This morning
- Claim packet2417
Claim packet · Cedar Fork National Bank
This loan, held by Cedar Fork National Bank in Retail Trade, is Doubtful (Lender Preparing Claim) on the record. The guarantee amount is $1,363,500, and the record held current guarantee liability of…
Waiting - Claim packet755
Claim packet · Foghorn Bay Bank
This loan, made by Foghorn Bay Bank, is Doubtful (Lender Preparing Claim) on the record. The guarantee is $231,200, and the record held current guarantee liability of $184,042 on August 21, 2026. In…
Waiting - Claim packet2706
Claim packet · Verdant Creek Bank
This loan, held by Verdant Creek Bank in Other Services (except Public Administration), stands on the record as Doubtful (Lender Preparing Claim). The record holds a guarantee of $54,400 and a…
Waiting
Lenders hold trillions in small business credit and many see it once a month by hand.
The day beforeThe portfolio report is monthly and a person builds it.
With PlyraPlyra brings a lender's own loan data together with public records and runs on its own, showing where the risk is and what to do about it.
The day beforeFirst word of trouble is a 30-day late notice.
With PlyraLoans heading for a loss rise to the top of the list, with the reason.
The day beforeEvery loss is 100 cents on the dollar.
With PlyraThe source of the losses is named: lender, industry, loan size and county.
The day beforeThe numbers exist, in five systems, joined by nobody.
With PlyraEvery figure is joined from the institution's own records.
One nightly read of the whole portfolio.
Monitor, analyze, act and prove, on every loan the institution holds, from the institution's own records.
Ask the portfolio anything.
Plain-English questions, answered from the loans themselves, with the queries behind each answer. Next: Plyra learns the portfolio with use.
The next step, drafted for a named approver.
Each night Plyra drafts the next step on every loan that needs one: a claim packet, a lender notice or a data fix. A named approver approves, edits or sends back each draft.
Each night, sealed on Avalanche.
One root for the portfolio and one for every step taken, written to Avalanche Fuji. Any loan's record checks against it at plyra.io/verify, with no wallet.
Watch listRanked by risk · read last night
Loan 20-4471Trucking
$1.4M94Modified twice in 12 monthsLoan 19-2208Food service
$620K88Lender preparing a claimLoan 21-0932Construction
$880K81Industry defaults at 3 times the portfolio rateLoan 22-1175Auto repair
$540K74Guarantee expires in 90 daysLoan 18-3640Retail
$310K69Lender's loans default at twice the averageWhere the losses come fromShare of losses by industry
- Food service34%
- Trucking22%
- Retail15%
- Construction12%
- All other17%
Each bar opens to the loans behind it.
Anyone who holds small business credit is a customer.
Sample portfolioCommunity loans reported to funders
- Loan 19-2208Food service · $620,000
Doubtful since September 30, two payments missed
- Loan 22-1175Auto repair · $540,000
New cash-advance lien September 29; guarantee expires December 30
- Loan 21-0932Construction · $880,000
Closing date in the record is still ahead
- Loans
- 1,240
- Moved last night
- 39
- Borrower names
- Removed
- Loan 19-2208
- Industry
- Food service
- Balance
- $620,000
- Status
- Doubtful
- Next step
- Claim in preparation
- Loan 22-1175
- Industry
- Auto repair
- Balance
- $540,000
- Status
- Current
- Next step
- Guarantee renewal requested
- Loan 21-0932
- Industry
- Construction
- Balance
- $880,000
- Status
- Current
- Next step
- Closing date under review
Live in days, beside the systems already there.
Your own records
Plyra joins the loan system, servicing files and the CRM the institution already runs. Nothing is keyed in twice.
Every number opens to its loans
Each figure on the screen opens to the loans behind it, so any person can check the math.
Configured, never rebuilt
The same product runs for every customer. Eight days from signature to operational at our first customer.
After booking, every night
Lending suites watch a loan before it closes. Plyra watches the whole portfolio after, beside the systems already there.
Plyra Workbench
When a portfolio is ready to fund or sell.
Load a loan tape, compare capital stacks that meet your limits, stress the monthly cash flows and export one review packet. No wallet, no signup.
Open the WorkbenchOne deal. One decision path.
The Workbench walks one pool from intake to export, with the open findings in view at every step. Full review opens the whole model.
Solar loansAuto loansStudent loansHouse-flip refinanceAny CSV loan tape
Structure, stress and trace every layer.
The capital stack is tested as one system, from collateral cash flow through tranche loss and return.
Constrained structures
Compare feasible stacks without hiding the limits that produced them.
Monthly cash flow
Trace interest, principal, defaults, recoveries and losses through the waterfall.
Stress paths
Run base, adverse and severe paths and see which layer absorbs each loss.
Actionable findings
A failed limit comes back with the change that would clear it.
