Lending · New York · Eastern Time
We build and run Axis by AIO Logic, a commercial lending platform for middle-market lenders. We rebuilt its backend from Java to C# on a CQRS architecture, migrated its money movement systems and delivered more than 61 financial reports. Twelve of our engineers are embedded on it full time, and it serves lenders working with roughly a quarter of the Fortune 100. This is not an adjacent capability for us.
10 yrs
Longest client relationship
Islam360 - still shipping
25M+
People using software we built
Across 176 countries
19+
Products shipped end to end
Across 8 industries
$1.5B
Exit by a client we engineered for
Tweeq, acquired by Tabby
How we cover New York
US entity established 2021, based in Gainesville, Florida — the same Eastern Time zone as New York.
Your full working day is covered, including the end-of-day window when servicing issues surface.
On-site in New York for kickoff, architecture workshops and major reviews.
Engineering delivered from our Lahore HQ, led and accounted for from the US.
The case for us
Not a case study from three years ago. Twelve engineers are embedded on a live commercial lending system today, which means we are still meeting the reporting cycles, the reversals and the edge cases rather than remembering them.
Partial payments, out-of-order effective dates, back-dated reversals, rounding across participants, fees that depend on the balance the payment is changing. These are not exceptions in a loan book, they are the ordinary operating state, and they are where most engines are quietly wrong.
61+ financial reports taught us that every report is an independent assertion about the same events, and two reports disagreeing is a defect even when both look reasonable. Building them as read models over one event stream makes them agree by construction.
We moved a live platform off Java with both engines running in parallel against production traffic, cutting over per portfolio and keeping the old path switchable through a full reporting cycle.
Capabilities
Application intake, underwriting workflow, approval routing and document handling, with the decision trail preserved.
Schedules, daily accruals, billing, delinquency handling and payoff quotes that tie to the penny.
Declarative, versioned allocation rules that survive partial payments, reversals and participant rounding — and replay against the rules that applied at the time.
Multi-participant ownership, distribution calculation and deterministic residual allocation so distributions always sum exactly.
Reporting built over the same event stream the ledger uses, so investor statements and internal reports cannot drift apart.
Assessment, parallel run and staged cutover for lenders stuck on a system nobody left at the company understands.
Frequently asked questions
Yes, and we still run one. We rebuilt the backend of Axis by AIO Logic from Java to C# with a CQRS architecture, migrated its money movement systems and delivered more than 61 financial reports. Twelve of our engineers are embedded on it full time and it serves lenders working with roughly a quarter of the Fortune 100.
Usually, yes. Most engagements start as integration or an adjacent module rather than a replacement, which is also the sensible way to find out whether a replacement is warranted before committing to one.
As compensating events over an event-sourced ledger rather than destructive edits to a balance. That keeps point-in-time balances answerable for any date and keeps the audit trail intact, which is the first thing an examiner asks for.
A focused module is typically weeks. A full origination-and-servicing platform is a multi-quarter programme, and anyone quoting you a fixed six-week timeline for one has not built one. We scope honestly on the first call and put it in writing within 48 hours.
A flat monthly rate per senior engineer, with a 10% reduction across the team at four or more engineers and a dedicated project manager included at that size. No recruitment fee, and two weeks' notice to scale in either direction.
You do, from the first commit, documented and tested in your repositories. Clean handoff is part of the engagement rather than a renegotiation at the end.
ready when you are