PLYRA
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AI that does the work behind your loan program.

See it work

What Plyra does

  1. Reports for your board, funders and legislature

  2. Credit memos

  3. Lender presentations

  4. Letters to the businesses you serve

  5. Each business routed to the right program

  6. The next step on every loan

  7. Annual reviews

  8. A person approves every step

Who it’s for

  • Guaranty payments cut or denied over a missed step

  • Annual reviews on one or two analysts

  • Exams and loan review

Sample portfolioSBA 7(a), conventional and member business loans

  1. Loan 19-2208Food service · $620,000

    Status changed to Doubtful on September 30

  2. Loan 22-1175Auto repair · $540,000

    New cash-advance lien September 29; guarantee expires December 30

  3. Loan 21-0932Construction · $880,000

    Closing date in the record is still ahead

SBA guarantee noticeLoan 19-2208 · Food service · SBA 7(a)
Guaranteed portion
$465,000 (75%)
Status
Doubtful since September 30
Purchase request
In preparation

The loan moved to Doubtful on September 30. The final demand letter and the guarantee purchase request are in preparation.

Attached
  • Status history
  • Default notice to the borrower
  • Collateral list
Draft · Waiting for approval

See it work Bank and lender demo · opens with a passcode

How it works

  1. Connects to the systems you already use.

  2. Reads every loan each night.

  3. Ranks what needs attention, with the reason.

  4. Drafts the next step.

  5. A person on your team decides.

  6. Every step is logged.

Example

Last night

November 121:00 AM to 3:29 PM PT

Sample portfolioLive

  1. Ranked every live loan1,882 live loans ranked; 9 moved; 7 reasons written by the model, 0 refused
    1,882
  2. Checked the loan files10 loan files checked; 0 documents read by the model, 44 already read; 15 open findings; 4 fixes waiting
    15
  3. Drafted the next steps26 drafts waiting; 0 refused by the checks; eval 14 of 14 passed
    26
Loans ranked
1,882
Moved
9
Reasons
7 written0 refused
Drafts waiting
26
Verify

This morning

26 drafts waiting for a named approver

  • Claim packet755

    Claim packet · Foghorn Bay Bank

    The record shows this loan from Foghorn Bay Bank in Loss (Claim in Process) status. 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

    The record shows this loan with Verdant Creek Bank in Loss (Claim in Process) status. The guarantee amount is $54,400 and the current guarantee liability is $32,329, as the record held it on August…

    Waiting
  • Claim packet2417

    Claim packet · Cedar Fork National Bank

    The record shows this loan with Cedar Fork National Bank in Doubtful (Lender Preparing Claim) status. The guarantee is $1,363,500 and the record held current guarantee liability of $68,175 on August…

    Waiting

Demo versionsEach opens with a passcode

When a portfolio is ready to fund or sell.

Open the Workbench
Solar loansAuto loansStudent loansHouse-flip refinanceAny CSV loan tape

Structure, stress and trace every layer.

  • Constrained structures
  • Monthly cash flow
SENIOR 75.5%MEZZ 11.5%EQUITY 13.0%
  • Stress paths
  • Actionable findings

Working with

  • Nor-Cal FDC
  • bitHedge

Ask for a demo passcode

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