Private Lending x Cohesion Labs

A private lending company with tens of millions in loan transaction volume. The company operates a custom loan-servicing portal that processes ACH payments, generates payoff statements, and manages borrower accounts across an active portfolio.

The platform was processing mid-8 figures of live transaction volume, but the engineering foundation had not kept pace with the business. Documentation was outdated and mostly AI-written with minimal human verification. Handoff notes between prior engineers contained inaccuracies. There was limited sandbox infrastructure, no adversarial code review process, and no standardized deployment pipeline.

New features and fixes were needed, but the cost of a mistake in this system was financial loss to borrowers and the business.

Cohesion Labs embedded an engineering team and established a verified baseline before making any changes.

Codebase audit. Cohesion mapped the system and fact-checked all existing documentation against the production code. Cohesion identified three material inaccuracies in the project's technical documentation, including a payment sync incorrectly diagnosed as broken, a removed fee still documented as active, and an enforcement rule documented but never implemented.

Payoff calculation correction. A partial payoff was calculating at 50% of the correct amount. Cohesino traced the root cause, reproduced the broken state in an isolated sandbox, validated the fix, and applied a two-step data correction to production with row-level backups and leadership sign-off.

Payment deletion feature. Built a new admin feature to delete manually entered payments while enforcing permanent immutability on ACH transactions. Designed with a decoupled architecture that isolates payment deletion from payoff math. 

Notification deduplication. Reduced a 25x daily duplicate system alert to a single daily notification per loan. Preserved the intentional reminder behavior, suppressed alerts during data backfills, and corrected a timezone boundary bug.

3 material documentation errors caught before any code was written

50% payoff calculation error corrected on a live loan

25x unnecessary system notifications reduced to 1x volume

0 data loss or untested production deployments

Financial Accuracy Restored

A borrower-facing payoff error was identified and corrected with full audit trail and owner verification. The correction process is now documented and repeatable.

Live System Safety Established

Every change followed a new sandbox-first, branch, test, review, PR pipeline. No code reached the live environment without independent review.

Engineering Velocity Without Risk

Two production fixes and one new feature shipped in a compressed timeline with zero regressions. The codebase moved from a state of uncertainty to a verified, testable, deployable foundation.