Your underwriters were hired for credit judgment — then spend most of their day on spreading, validation, and memo drafting. Uptiq's AI does that pre-decision work end to end and hands back a decision-ready package, so your team underwrites more deals in less time without lowering the bar.
41% faster underwriting cycles at 95%+ accuracy — every conclusion traced to source, judgment still yours.
Trusted by financial institutions across banking, lending & credit
The scarce resource in commercial credit is underwriter judgment — yet the majority of underwriting time goes to document work that happens before any judgment is applied.
A commercial credit decision needs spread financials, calculated ratios, reconciled figures, a risk read, and a written memo. Today an underwriter produces almost all of that by hand — keying numbers, recomputing coverage, drafting narrative — before they weigh a single credit question. That's expensive judgment spent on clerical prep.
Generic "automated underwriting" doesn't close the gap either. Rule-based decision engines act on structured inputs; they can't read a tax return or reconcile a rent roll. So the unstructured, document-heavy analysis stays manual, cycle times stretch to 10–21 days, and faster lenders win deals on speed alone.
Uptiq's Underwriting Superagent automates everything between a complete file and a credit-ready package — spreading, validation, risk flagging, and a cited memo — at 95%+ accuracy with full audit trail.
Financials extract at 95%+ accuracy and populate your template; global cash flow, DSCR, debt yield, and leverage calculate from source values.
Income and balances are reconciled across tax returns, financials, and bank statements, surfacing discrepancies before they reach committee.
The agent highlights coverage shortfalls, concentration, and policy exceptions against your credit rules — so nothing material gets missed.
A memo assembles in your institution's template, every conclusion linked to source. Your underwriter reviews, adjusts, and decides.
The result: 41% faster underwriting cycles, 63% less credit memo prep, and 3x more deals per analyst — measured across 150+ financial institutions in production.
Uptiq is built to give credit judgment more room — by taking the document work off your team's plate, not the decision.
It works with your decision engine, not against it. Uptiq handles the unstructured, document-heavy analysis and can feed the structured, credit-ready inputs into your existing automated underwriting system or decision engine downstream.
From complete file to credit decision, underwriting time compresses by 41% on aggregate — winning deals that slower lenders lose on speed alone.
Memos draft in your template from spread data. Underwriters review and finalize — they don't write from scratch. 63% reduction across deployments.
With prep automated, each underwriter handles 3x the deal throughput — measured across production deployments, not a projection.
Accuracy certified by former underwriters. Every figure and conclusion traces to source — audit trail built for examiners and credit review.
The same coverage math, validation checks, and memo structure apply to every file — removing the deal-to-deal variance of manual prep.
100+ native integrations across LOS, cores, and decision engines. Uptiq feeds your existing workflow — no rip-and-replace.
Results represent aggregate outcomes across production deployments. Individual results may vary.
A classified, complete loan file arrives from intake — ready for analysis, not sorting.
Financials spread at 95%+ accuracy, ratios calculate, and figures reconcile across documents.
Risk and policy exceptions are flagged and a cited credit memo drafts in your template.
Your underwriter reviews the package, applies judgment, and makes the credit call.
150+ financial institutions run Uptiq's AI agents to prepare commercial credit decisions faster — with judgment firmly in human hands. See it on your own deals.
Book a 30-minute session. We'll run spreading, validation, and memo drafting on your own document types and show you the decision-ready package.
See how Uptiq spreads, validates, flags risk, and drafts the credit memo on your own deals — with judgment still yours.
Join ever-growing community of 500+ Financial Institutions who have harnessed the power of Uptiq Insights.
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