Building a Sustainable
Foundation for Caliber's Growth
Caliber, a U.S. lending company owned by the Otoe-Missouria Tribe, faced the need to modernize 20-year-old infrastructure. Luby became the strategic partner to design and execute a full migration to microservices — without disrupting operations.
Microservices architecture
Underwriting automation
Operational disruption
Challenges We Know Well
As Caliber's operations grew more complex, the company needed to rethink its entire legacy architecture to maintain agility, support automation, and prepare for sustainable growth in the regulated U.S. credit market.
20-year-old legacy systems
Migrating critical lending infrastructure that no longer supported the company's growth, without disrupting active loan operations during the transition.
Fragmented operations across partners
Consolidating workflows distributed across multiple third-party providers into a unified, integrated platform with a single source of truth.
Slow manual underwriting processes
Replacing manual credit analysis workflows with automated, rules-driven engines to speed up decisions and reduce operational bottlenecks.
Compliance with U.S. credit regulations
Maintaining full adherence to U.S. lending regulations throughout the modernization, ensuring no compliance gaps opened during the transition.
Our Approach
Luby implemented a phased modernization strategy — from full assessment through microservices migration and integration automation — aligned with Caliber's long-term business goals.
Phase 1
Business & Technical Assessment
Full architecture and process evaluation mapping key business needs, identifying mission-critical services, and delivering a prioritized modernization roadmap.
Phase 2
Migration to Microservices
Migration of APIs and services into a multi-tenant microservices architecture, providing greater flexibility, scalability, and resilience for Caliber's operations.
Phase 3
Integration & Automation
Integrated API environment automating the underwriting process and connecting Caliber to external partners like Canvas Lending and LoanPro.
Measurable Impact
A scalable, automated, and future-ready lending infrastructure — built to support Caliber's continuous growth and innovation in the U.S. credit market.
Long-term Growth Ready
Multi-tenant microservices
Full Underwriting Automation
Reduced processing time
Reduced Risk
Vulnerabilities eliminated
Want to modernize your lending infrastructure with scalable architecture and automation?
Talk to our specialists and discover how Luby can modernize legacy systems without disrupting your operations.