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Commercial credit still runs on paper an analyst has to retype. Three years of statements, a debt schedule, and aging reports get keyed into a spreading template before anyone forms a view on the borrower’s cash flow.
Trusted by financial institutions across banking, lending & credit
The Document Burden
Uptiq’s Document AI covers 25 document types across the C&I file, from first intake through post-close monitoring.
A C&I file is mostly numbers in someone else’s format. An Audited Business Financial Statement, a Profit And Loss Statement, a Cash Flow Statement, and three years of Business Tax Returns arrive as PDFs, scans, and accounting exports, each with its own line-item names and its own ordering.
Then come the schedules that carry the risk story — the Business Debt Schedule, the Account Receivables Aging Report and Accounts Payable Aging Report, the Business Inventory Schedule and Fixed Assets Schedule, and a Customer List that decides whether this borrower has a concentration problem. None of it is decision-ready until an analyst has spread it, and quarterly monitoring repeats the same keying on the same formats long after the loan closed.
Documents We Process
Every document below has a dedicated extraction page. This list is generated from Uptiq's Document AI registry, not hand-picked.
| Document | What Uptiq extracts |
|---|---|
| Account Receivables Aging Report | Extracts Total AR, Current (0-30 days), 31-60 Days + 4 more fields |
| Accounts Payable Aging Report | Extracts Total AP, Current (0-30 days), 31-60 Days + 4 more fields |
| Audit Notes | Extracts Debt Maturing Next 12 Months, Going-Concern Disclosure, Pending Litigation + 5 more fields |
| Audited Business Financial Statement | Extracts Auditor Opinion Type, Total Revenue, Net Income + 5 more fields |
| Business Credit Report | Extracts D&B PAYDEX Score, DUNS Number, Business Failure Score + 5 more fields |
| Business Debt Schedule | Extracts Total Outstanding Debt, Number of Instruments, Total Monthly Debt Service + 4 more fields |
| Business Financial Statement | Extracts Total Revenue, Net Income, Total Assets + 4 more fields |
| Business Inventory Schedule | Extracts Total Inventory Value, Finished Goods, Work in Process + 5 more fields |
| Business Plan | Extracts Requested Loan Amount, Use of Funds Summary, Year 1 Revenue Projection + 3 more fields |
| Business Tax Return | Pillar page covering 27 business tax forms and schedules, including Form 1065, 1120, 1120-S and Schedule K-1 |
| Capitalization Table | Extracts Holder Name, Share Class, Shares Outstanding + 5 more fields |
| Cash Flow Statement | Extracts Net Cash From Operations, Capital Expenditures, Free Cash Flow + 4 more fields |
| Credit Agreement | Extracts Facility Amount, Facility Type, Applicable Margin + 5 more fields |
| Customer Contract | Extracts Counterparty, Contract Value, Initial Term + 5 more fields |
| Customer List | Extracts Customer Name, Revenue (Trailing 12 Months), Percent of Total Revenue + 5 more fields |
| Fixed Assets Schedule | Extracts Asset Description, Acquisition Cost, Acquisition Date + 5 more fields |
| LOI | Extracts Proposed Loan Amount, Proposed Rate, Proposed Term + 5 more fields |
| Management Resumes | Extracts Principal Name, Role, Years of Industry Experience + 5 more fields |
| Partnership Agreements | Extracts Entity Name, Managing Member / General Partner, Ownership Percentages + 5 more fields |
| Profit And Loss Statement | Extracts Total Revenue, Cost of Goods Sold, Gross Profit + 4 more fields |
| Safer | Extracts Carrier Legal Name, USDOT Number, Operating Status + 5 more fields |
| Secretary Of State | Extracts Entity Legal Name, Entity Status, State Entity Number + 5 more fields |
| Sources And Use Of Funds | Extracts Total Sources, Total Uses, Loan Proceeds + 5 more fields |
| Statements Of Information | Extracts Chief Executive Officer, Officers and Directors Named, Managers / Managing Members + 5 more fields |
| UCC Filing | Extracts Debtor Name, Secured Party, Filing Number + 4 more fields |
How It Works
Relationship managers and borrowers drop the whole financial package in one pass — statements, schedules, tax returns, and signed agreements.
Every page is typed and dated, so three years of Profit And Loss Statements line up by period instead of by upload order.
Line items pull from the Business Financial Statement, Cash Flow Statement, and Business Debt Schedule into your spreading template’s fields, not a generic table.
Totals are cross-footed across statements and schedules, and gaps — a missing period, an unsigned agreement — come back named rather than buried.
Coverage ratios and customer concentration are calculated from the Customer List and the aging reports before anyone starts drafting the memo.
Structured output posts to your LOS, core, and CRM, with covenant terms carried forward into ongoing portfolio monitoring.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
Key Benefits
Three years of statements and schedules arrive as populated spread fields, so the analyst opens the file at judgment instead of at data entry.
Ratios, concentration, and debt schedule detail are already structured when the write-up begins, so the memo assembles from source data the analyst can trace.
Updated financials and a refreshed Business Debt Schedule are read the day they land, instead of a potential breach surfacing at a quarterly review that is roughly 90 days late.
Spreads and covenant data land in the systems your commercial team already works in — no rip-and-replace, with a single agent typically live in five business days.
Common Questions
Related Industries
Book a 30-minute session. We'll run a live extraction demo on your own c&i lending documents.
Uptiq's AI agents sit above your existing LOS, core, and CRM — no rip-and-replace, with a single agent live in 5 business days.
Bring us the workflow with the most drag. We’ll show you an agent running it.
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