Qore by Uptiq brings governed AI to commercial lending. Collect and review borrower documents, spread financials, check credit policy and prepare approval packages, alongside the loan origination system your bank already uses.
$1,200,000 term loan · CL-2048
| Income statement | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $1.74M | $1.92M | $2.15M |
| Gross profit | $624K | $710K | $806K |
| Adjusted EBITDA | $258K | $296K | $333K |
| Debt service | $231K | $246K | $258K |
Illustrative Qore workspace · sample borrower data
Loan officers chase tax returns, debt schedules and interim statements across email threads before an analyst can start.
The same borrower financials are copied into spreadsheets, credit memos and origination records, creating reconciliation work nobody needs.
Operations, relationship managers and credit teams need one view of missing information, exceptions and the next reviewer.
See where your commercial loan files stall, on one of your own deals.
Qore sits alongside your core, LOS and CRM. It does the document and credit work between origination stages, without replacing your systems of record.
Document classification and extraction with source references, so reviewers can validate every value.
Financial spreading, lending ratios and memo preparation inside one governed workflow.
Institution-specific policy checks, visible exceptions and permissioned review instead of email chains.
| Capability | Email and spreadsheets | Qore |
|---|---|---|
| Classifies borrower documents and flags what is missing | Manual | |
| Extracts financials with a source reference on every value | Manual | |
| Calculates DSCR, leverage and collateral coverage | Manual | |
| Checks the request against your credit policy, section cited | ||
| Drafts the credit memo and approval handoff | Manual | |
| Role-based access and a record of every AI action |
Compare it against how your team moves a commercial loan today, on one real file.
Connect the analytical work between origination stages without replacing your core banking system or LOS.
Classify tax returns, bank statements, financial statements and debt schedules. Surface gaps and low-confidence extractions so staff can resolve them early.
Extract balance-sheet and income-statement data into your lending template. Source references stay attached so analysts can validate values and proposed adjustments.
Prepare cash-flow analysis, debt-service coverage and leverage ratios. For relevant loan types, include rent-roll and collateral analysis in the credit review.
Check the request against your institution's requirements for loan type, leverage, collateral and guarantors. Qore cites the policy section instead of relying on a generic model's answer.
Assemble a draft memo from the reviewed file and prepare the approval route. Your authorized credit officers decide, and your existing systems stay the record for origination and closing.
Illustrative workspace · sample borrower data and policy
See what the borrower file needs before passing it to credit.
Spend less time assembling spreads and more time evaluating repayment.
Keep document status and handoffs visible across the loan file.
Review policy exceptions and recommendations with the evidence behind them.
Tell us which team you want to start with. We will show you their part of the workflow.
Qore brings role-based access, audited queries, team token budgets and your private credit-policy knowledge base to lending work. Your institution sets the review requirements and keeps decision responsibility.
No. Qore works alongside your existing LOS, core and CRM rather than replacing every origination or servicing function. We will map your specific systems and integration scope on the call.
Commercial lending usually needs analysis of business financials, cash flow, guarantors, debt schedules and sometimes rent rolls. Qore's lending skills support those document-heavy reviews.
Yes. Rent-roll, cash-flow and financial analysis can support a CRE review. Your institution decides the required collateral assessments, policy criteria and approval process.
Your institution's authorized reviewers keep credit approval responsibility. Qore prepares the analysis, flags exceptions and supports the review.
Most teams start with one workflow. A single agent typically goes live in 5 business days, and a multi-agent suite in around 30 days.
Bring a recent commercial loan file. We'll show you intake, spreading, policy checks and the approval package on your documents and your policy.
© 2026 Uptiq · Qore by Uptiq, governed AI for commercial lending · Privacy policy
Bring a recent commercial loan file. We'll show you intake, spreading, policy checks and the approval package on your documents and your policy.
A 30-minute conversation with our lending team. No prep needed, and we never share your details.