Colony Bank cut 95 manual tasks to 32 with Lama AI. The larger wager: make small business loans worth the work, while leaving credit judgment with the people who know the borrower.
From Amazon sellers to airport coffee counters, Lendistry finances businesses that do not fit neatly into a bank’s checklist. Its next test is making that approach work beyond the emergency-aid boom.
The Los Angeles lender pairs personal service with tight operating costs. Its history shows both the appeal of that approach and the price of reaching beyond it.

A risk-averse German banker, a competitive gamer and a freshly minted Stanford MBA drove straight from graduation to Y Combinator. Three years later, Lukas Haffer is trying to make a 90-day loan feel almost ordinary in three.
The Stanford founders began with AI agents for everything a bank might do. A failed platform deal and one unusually candid customer pushed them toward the unglamorous bottleneck that mattered: getting small-business loans out of inboxes and into underwriting.