Caliber is a U.S. lending company specializing in microloans and owned by the Otoe-Missouria Tribe of Indians.
Focused on promoting economic development within its community, Caliber operates under the brands WithU Loans and American Web Loan. Facing the need to modernize its 20-year-old technological infrastructure, Caliber partnered with Luby as a strategic consultant and full development ally.
Together, we conducted a complete assessment and designed a precise migration plan to a multi-tenant microservices architecture, ensuring scalability, security, and long-term automation.
As Caliber's operations became increasingly complex, the company needed to rethink its legacy architecture to maintain agility and scalability. Luby stepped in with a highly specialized approach to assess the existing systems while simultaneously planning the migration to microservices.
Caliber's biggest challenges included:
The objective was clear: build a sustainable digital foundation capable of supporting continuous growth and innovation in the highly regulated U.S. credit market.
Luby implemented a phased modernization and migration strategy, aligned with Caliber's long-term business goals. Our approach combined deep technical expertise with strategic consulting — ensuring every decision balanced technology, risk, and future scalability.
We conducted a full architecture and process evaluation, mapping key business needs and identifying mission-critical services. This phase delivered a modernization roadmap, prioritizing the most essential components for transformation.
We initiated the migration of APIs and services into a multi-tenant microservices architecture, providing greater flexibility, scalability, and resilience.
We created an integrated environment for managing APIs and automating the underwriting process — ensuring Caliber could operate efficiently and seamlessly with its external partners.
Beyond upgrading its core infrastructure, Luby connected Caliber to public loan aggregators across the U.S., expanding its reach and automating loan capture.
Integration with Canvas Lending, allowing Caliber to receive loan requests automatically.
Impact:
To improve loan administration, Luby integrated Caliber with LoanPro, a leading loan lifecycle management platform.
LoanPro automates all stages of credit management — from payments to delinquency tracking. Luby leveraged its LoanPro expertise to create a replicable solution for other financial institutions, expanding its footprint in the lending technology market.
Key Outcomes of This Strategic Partnership:
The new microservices architecture enabled Caliber to prepare for sustainable growth and rapid innovation.
Migrating to microservices and automating underwriting improved efficiency, reduced processing time, and eliminated bottlenecks.
Updating libraries and systems removed known vulnerabilities, significantly increasing security in financial operations.
Beyond immediate improvements, Luby's solution prepared Caliber for the future — establishing a solid foundation for continuous innovation.
The scalable and secure architecture now allows Caliber to:
Luby continues to act as Caliber's strategic technology partner, ensuring that every solution evolves with the company's goals.