INTRODUCING CLUTCH LENDING AUTOMATION SYSTEM
Win on lending.
Stay a credit union.
Faster decisions for members. Smarter risk. Growth without adding headcount. Clutch LAS is the automation-first lending platform built for credit unions that take their mission seriously.
Fintech muscle. Credit union heart.
One platform. Every stage of the lending journey.
Most of your loan volume doesn’t need a human. Clutch LAS knows which loans do.
Clutch LAS - Lending Automation System.
The full platform. Replaces your legacy LOS end to end.
Digital Application
Capture across every channel; members apply in under five minutes.
Automation + Application
Routes eligible loans through straight-through processing; -60-70% fund with no staff touch.
Staff Workflow
Task-driven workflows for the -30-40% that need human judgment.
Your leadership sets the criteria. The system executes within them.
What Clutch LAS makes possible
The system is the senior lender.
Credit unions retail staff face an impossible expectation: develop deep lending expertise in a role with high turnover and constant generalist demands — leaving you with undertrained staff whom can’t confidently handle lending, or overtrained staff who leave before you recoup the investment.
Clutch Fulfillment breaks that bind. The policy and judgement live in the system, not in any one person. When a senior lender leaves, the knowledge stays. Every staff member works with the same institutional intelligence, every time.
What changes when your LOS is built for automation.
Without LAS
Every loan waits for a human, regardless of whether it needs one
Expertise lives in people, not
systems — and walks out the door
Growth requires hiring more processors
Members wait days for decisions a system could make in seconds
Per-application LOS fees compound as volume grows
Staff spend time on work that doesn’t require judgment
With Clutch LAS
60 to 70% of loans fund automatically, no staff involvement
Policy lives in the system — consistent, every time, regardless of tenure
Volume scales without headcount growing with it
Members get decisions in minutes, not days
Platform pricing — costs do not scale linearly with volume
Staff focus on the exceptions and relationships that actually need them
What excites me most is what is coming next with Clutch.
Norm Creveling
Chief Lending Officer
Wings Federal Credit Union
~$10B Assets
170+
credit unions on platform
22M+
members served
$373B
in member assets
7
LAS launch partners
Credit unions across every asset tier from $256M to $6B partnering with Clutch on their LAS journey.
You don't have to rip and replace to get started.
Clutch LAS meets credit unions where they are. Every stage delivers value on its own and builds toward the full platform.
START
Digital front door
DAO / DLO + Fastlane
Faster apps and decisioning without changing your existing LOS.
ADD
Straight-through processing
Eligible loans fund automatically; volume grows, headcount doesn’t have to.
FULL LAS
LOS retired
One platform, every channel, one contract, platform pricing.