Modernizing a financial platform under full load
PIRS Capital is a US-based company providing technology for small business funding. Its core lending platform manages merchant cash advances and business loans. As the company scaled, the system began slowing down under high traffic, and the client engaged Touchlane to rebuild the backend architecture.
- Custom Backend Development
- 2025
- Industry: FinTech
Initial Task
Description
Our task was to refactor the entire backend while keeping the system fully operational. Beyond performance degradation, critical errors in financial calculations threatened the reliability of the lending platform.
The platform continued processing live financial transactions throughout the rebuild, meaning any disruption could impact active funding operations. With no technical lead on the client’s side, our team assumed full architectural ownership and established clear, structured communication to ensure controlled and risk-free refactoring.
Technology stack
Challenges
Monolithic architecture
The system’s payment processing and reporting functions were locked together. To change to one module meant to directly affect the other, which created a fragile foundation.
High load
The backend could not handle the processing volume, which caused performance issues and created a fragile system.
Process
Phase / 01.
Assessment and Migration Planning
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System analysis
We conducted a thorough audit of the existing codebase to identify performance bottlenecks and trace financial calculation errors to their root causes.
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Architecture and migration planning
Based on these findings, we defined a revised technology stack and prepared a phased migration plan that allowed the backend to be refactored incrementally while keeping the platform fully operational.
Phase / 02.
Incremental reconstruction
We rebuilt the backend in discrete modules, starting with the financial calculation engines. Each new component was integrated into the live environment through small, measured updates. This approach allowed for constant validation and gave us the ability to quickly revert changes if needed.
Phase / 03.
Performance validation and production rollout
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Load and data validation
Before launch, we validated the platform's performance under load. It successfully handled 5,000 concurrent users while maintaining a sub-150-millisecond response time at the 99th percentile. We also processed 12 months of past transactions through the new system, confirming every calculation matched.
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Go-live
After successful validation, the final switch to the new backend was completed seamlessly, with no disruption to ongoing operations.
Overall Result
Touchlane delivered a fully transformed lending platform. The new system erased the persistent bugs that compromised financial calculations. It now maintains performance during peak load and provides a trustworthy experience for PIRS Capital and its clients. Overall, the business transitioned to a modern codebase without a single interruption in service.
