Convey puts a real lender at the front of every online loan inquiry — without replacing your website, your LOS, or your Core. White-labeled to your bank. Three to four weeks to deploy.
You've invested years — and real money — in the branch and the people in it. That investment is your edge: a lender at the desk who knows the town, answers the real question, and turns it into a closed loan. Every loan in your portfolio traces back to that handshake.
Today, more of those conversations begin online — and that's the one place a real lender hasn't been able to sit. Not because the branch stopped mattering. Because nothing has carried it there yet.
Convey carries it there. Your lender, back in the room — same banker, same judgment, same handshake — now meeting the borrower the moment they're ready, wherever they start. The branch you built, working online too.
Banks already have technology. Convey isn't trying to replace any of it. It fills the gap between your website and your existing systems — the gap where the missing branch visit used to live.
A real lender on the other side of every online inquiry. White-labeled to your bank. Slots between your website and your LOS in 3–4 weeks.
Different audience, different goal. Chatbots serve existing customers checking balances. Convey serves prospects deciding whether to apply.
Coexists. The bank's chatbot can sit on the same site. Different jobs. No competition.
Those are application engines. Convey isn't an application engine — it's the conversation that wraps around one. It never replaces your LOS.
12–24 months and $$$ vs. 3–4 weeks. Different problem, different job.
Those serve existing customers — checking, transfers, bill pay. Convey serves the loan-shopping prospect before they're a customer.
Different audience, different stage. Most banks need both.
The borrower already moved online. Doing nothing means losing the next ten years of community-bank borrowers to bigger banks and fintechs that know how to capture a click. The 267-of-360 stat above is the cost of waiting.
Convey was built by community bankers, for community bankers. The five questions that get asked in every deal — answered up front.
The relationship advantage that built the bank carries online. A lender greets every inquiry, and the trust that earned the loan in the lobby earns it on the website too.
One inbox. An "awaiting your reply" SLA. A complete paper trail by default. More inbound leads reach a real lender — and more of them turn into closed loans, without adding hours.
A single community-bank CRE relationship runs $500K+ in loan size. It takes only a handful of added closed loans for Convey to return many times its cost — before the deposits, fees, and cross-sell that follow the relationship. Easy to defend at loan committee.
Three to four weeks to deploy. One button on your website. No integration to your LOS or Core. No migration. No ongoing engineering burden.
Documented communication layer, not an underwriting engine. Audit trail by default. Standard third-party risk classification. Bank retains all data rights.
Convey is built around what regulators and examiners care about most: clear lines of responsibility, complete audit trails, and bank-owned data.
Your lenders make every credit decision. Convey is the communication layer in front of the application — never the application engine, never the underwriter.
TLS 1.2+ in transit. AES-256 at rest. Documents and PII encrypted with managed keys. Bank-grade by design.
All communication and PII is encrypted in transit and at rest, on infrastructure built and maintained to SOC 2 controls.
Every consent, every message, every document, every system event — timestamped and immutable. Pull a per-bank audit log on examiner request.
The bank is the data controller. Convey is the service provider, processing on the bank's behalf only. Master Services Agreement and Data Processing Addendum govern the relationship.
Opened the family's first community bank in the Rio Grande Valley — where four generations of Texas banking began.
Built the family's credit-insurance and community-banking agency, and ran the family bank for decades.
Joined and led the family business through a generational transition, keeping it rooted in Texas community banking.
Fourth-generation operator. Sits on the lending committee and leads program development in the family's private lending and credit-insurance business — and founded Lenni to build Convey.
I grew up the fourth generation of a Texas banking family, and today I work in our private lending and credit-insurance business — I sit on the lending committee, lead program development with our chief lending officer, and serve as loan officer for select clients. From that seat, the same gap kept showing up across community banks — borrowers slipping away at the click, with no real lender to keep them. AI didn't create that gap; it sharpened it.
"I've spent my career on the lending side of the table — private lending and credit insurance, alongside community banks. The ones that win keep a real lender in front of the borrower. Convey is how they keep that lender there when the conversation moves online."
Banker by lineage. Operator by trade.
— Doak C. Dunkin · Founder, Lenni · Fourth-generation Texas banking family
Drawn from the actual conversations Convey has had with Texas community bank executives. If yours isn't here, ask Doak directly.
Three to four weeks from signature to live. That covers white-label branding, your Convey subdomain, SMS number registration with carriers (10DLC), setting up your lenders, and a training session.
Convey doesn't integrate with your LOS or Core in the initial deployment — it sits in front of them. Once an application is complete, your lender can export a borrower-friendly PDF of the conversation and documents. Direct integration with major LOS vendors is planned for the future.
Convey is a monthly subscription priced by the number of lender users, with a three-user minimum. No long-term contract — cancel anytime with 30 days' notice. A one-time implementation fee covers setup, 10DLC registration, onboarding, and training.
We'll walk you through pricing for your bank on the demo, and annual pre-pay discounts are available.
Convey is built to financial-industry compliance standards: all communication and PII is encrypted in transit (TLS 1.2+) and at rest (AES-256), with role-based access control and immutable audit logs, on infrastructure built and maintained to SOC 2 controls. We operate as a service provider under the FTC Safeguards Rule and GLBA. The Master Services Agreement and Data Processing Addendum spell out exactly what we commit to — including breach notification within 72 hours. A complete due diligence package is available on request.
Yes. The bank is the data controller. Convey processes data on the bank's behalf as a service provider. The bank's terms of service and privacy policy govern the borrower relationship. On termination, all data is returned to the bank in a structured export or deleted, at the bank's election. Backup data clears within 90 days.
We're rolling out with our first group of partner banks in Texas now. That's part of why this offer matters — first movers get a voice in shaping the product and the best pricing. The roadmap is informed by community bankers.
You can cancel anytime with 30 days' notice — no exit fees, no penalty. We're not interested in locking anyone into something they don't want. We'd rather earn your business every month: once your borrowers start messaging your team instead of disappearing into a contact-form void, our bet is you won't want to go back.
Real lenders. Real conversations. Online.
Priced per lender user, billed monthly — full pricing shared on the demo.
Three to four weeks to deploy. No integration to your LOS or Core. White-labeled to your bank.