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Financial systems
End-to-end ERP and CRM platforms for lenders: application intake, underwriting and scoring, AML and KYC, contract generation, portfolio accounting and debt collection — in one system.
Business infrastructure for financial services
We build the ERP, CRM and machine learning systems that lending companies run on — from application intake to portfolio management.
Braingency is a product-driven software development company based in Riga, Latvia. We design and build production systems for consumer lending, auto finance, leasing and mortgage businesses, and we develop custom machine learning models that turn operational data into better decisions.
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What we do
Three things, built to work together
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Machine learning
Our ML Lab builds models trained on your own operational data — credit scoring, risk assessment, valuation and forecasting — and integrates them directly into the systems that use them.
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Platforms and products
Learning management platforms, AI assistants, market analytics tools. We take products from concept through to launch and scale, and we run them in production.
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The lending cycle
One platform, not five tools
Rather than stitching together separate tools for origination, compliance and collections, the platform handles the entire loan lifecycle in a single, coherent system — which is also what makes the data usable for machine learning.
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Application intake
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Processing & scoring
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AML & compliance
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Contract generation
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Portfolio management
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Collections
ML layer
ML models trained on the full data stream
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Why companies work with us
Four reasons this works
Built for regulated environments
Our financial systems are designed around compliance requirements from the start — AML screening, KYC/KYB integrations, audit trails and data integrity are part of the architecture, not an afterthought.
Full cycle, one team
We build from the initial idea through architecture, development, launch and scaling. You are not handing your product between agencies at each stage.
Machine learning that actually ships
We do not deliver notebooks and slides. Our models run inside live lending systems, scoring real applications every day.
Founders who write code
Both founders are hands-on engineers with a combined 25+ years of experience building fintech platforms in Ruby on Rails.