Qore is an automated underwriting system that extracts borrower documents, spreads financials, checks your credit policy and drafts the credit memo, with every figure cited and every action audited.
$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
Underwriters spend most of the file copying numbers from PDFs into spreadsheets: the slowest, most error-prone step in underwriting.
Whether a deal fits credit policy depends on who reviewed it and what they remembered to check.
When examiners ask why a loan was approved, the answer lives in inboxes and spreadsheets, not in one audit trail.
See how much of the file Qore takes off your underwriters' desks, on one of your own deals.
Underwriting automation that does the analytical work, and leaves the judgment to your people.
Tax returns, bank statements, interim financials, rent rolls and debt schedules are classified across 150+ document types, with every extracted value traced to its source page.
Balance sheets and income statements are spread automatically into your institution's template, not a generic format. Adjustments are proposed, never silent.
DSCR, debt yield, leverage and global cash flow are computed from the spread, with each figure linked back to the line item it came from.
The request is tested against your actual policy: loan type limits, leverage caps, guarantor requirements and exceptions, with the exact section cited for every check.
A first-draft credit memo is assembled from verified data, and the deal is routed to the right approver based on amount, risk rating and your delegation of authority.
Illustrative Qore workspace · sample data
Generic AI tools can read a document. Qore underwrites the way your institution requires: permissioned, cited and auditable.
| Capability | Generic AI | Qore |
|---|---|---|
| Spreading in minutes, not days | ||
| Every ratio traced to a source page | ||
| Checked against your written credit policy | ||
| Approval routed by delegation of authority | ||
| Full audit trail for examiners | ||
| Works with your existing core, LOS and CRM | ||
| Borrower data never trains a model | Unclear |
Compare it against how your team underwrites today, on one real deal.
Start every file with the spreading done and the ratios calculated. Your judgment goes to the decision, not the data entry.
Draft memos in minutes with every figure cited, so review is checking your reasoning, not hunting for typos.
Every deal tested against the same written policy, with exceptions flagged before they reach committee.
A complete record of every document, check and sign-off, examiner-ready without a scramble.
Tell us which loan type you want to start with. We will show you that workflow, governed.
Software that automates the steps between receiving a borrower's documents and reaching a credit decision: document extraction, financial spreading, ratio analysis, policy checks and memo drafting. Qore adds governance, so every step is permissioned, cited and audited.
Your loan origination system tracks the workflow; Qore does the analytical work inside it. Qore connects to your existing core, LOS and CRM rather than replacing them.
No. Qore prepares the analysis, checks policy and drafts the memo. A human with the right authority always makes the decision, and the platform enforces that.
The systems you already have. Qore's agents read from your core banking, LOS, CRM, credit bureaus and accounting tools through 150+ connectors.
Bring a recent loan file. We'll show you the spread, the policy checks and the memo, on your documents, not a demo dataset.
© 2026 Uptiq · Qore by Uptiq, AI underwriting software for financial services · Privacy policy
Bring a recent loan file. We'll show you the spread, the policy checks and the memo on your documents.
A 30-minute conversation with our lending team. No prep needed, and we never share your details.